| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENJAMIN POMEROY3 | 2300 OAKENGATE LANE MIDLOTHIAN, VA 23113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 3.13% |
| JOHN E CUMMINGS3 | PO BOX 5936 GLEN ALLEN, VA 23058 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $393 | $0 | $393 | 0.79% |
| RONALD R PILAND3 | 3515 HOLLINGSWORTH WILLIAMSBURG, VA 23188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $285 | $0 | $285 | 0.57% |
| GAIL STEWART GOLD3 | 11919 SUNFLOWER LANE RICHMOND, VA 23236 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $283 | $0 | $283 | 0.57% |
| STEVEN E MCNAMEE3 | 9208 OAK SPRINGS CT RICHMOND, VA 23229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $263 | $0 | $263 | 0.53% |
| BEN RUDASILL3 | 499 MARLBOROUGH POINT RD STAFFORD, VA 22554 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | $0 | $64 | 0.13% |
| TIMOTHY S ROSS3 | 5054 LIPPINGHAM DRIVE CHESTER, VA 23831 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.04% |
| TRACY HENSON TUTOR3 | 2879 FOSTER DALE CV GERMANTOWN, TN 38138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.02% |
| AFFORDABLE BENEFITS LLC3 | 101 N LYNNHAVEN RD VIRGINIA BEACH, VA 23452 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 305 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 63 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 242 | $29K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 105 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.