| 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 | 3.15% |
| JOHN E CUMMINGS3 | 204 QUAYSIDE CIR #501 MAITLAND, FL 32751 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $445 | $0 | $445 | 0.87% |
| GAIL STEWART GOLD3 | 11919 SUNFLOWER LANE RICHMOND, VA 23236 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $306 | $0 | $306 | 0.60% |
| STEVEN E MCNAMEE3 | 9208 OAK SPRINGS CT RICHMOND, VA 23229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $272 | $0 | $272 | 0.53% |
| BEN RUDASILL3 | 499 MARLBOROUGH POINT RD STAFFORD, VA 22554 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $0 | $66 | 0.13% |
| RONALD R PILAND3 | 1621 SWANSBURY DR RICHMOND, VA 23238 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $0 | $47 | 0.09% |
| 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% |
| CINDY PILAND SCHWARZ3 | 1621 SWANSBURY DR RICHMOND, VA 23238 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| 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 | 294 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 248 | $27K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 108 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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."
No prospect flags tripped on this filing.