| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENJAMIN POMEROY3 | 2300 OAKENGATE LANE MIDLOTHIAN, VA 23113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 3.31% |
| JOHN E CUMMINGS3 | 204 QUAYSIDE CIR #501 MAITLAND, FL 32751 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $409 | $0 | $409 | 0.96% |
| GAIL STEWART GOLD3 | 11919 SUNFLOWER LANE RICHMOND, VA 23236 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $298 | $0 | $298 | 0.70% |
| STEVEN E MCNAMEE3 | 9208 OAK SPRINGS CT RICHMOND, VA 23229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $249 | $0 | $249 | 0.59% |
| BEN RUDASILL3 | 499 MARLBOROUGH POINT ROAD STAFFORD, VA 22554 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $0 | $44 | 0.10% |
| TIMOTHY S ROSS3 | 5054 LIPPINGHAM DRIVE CHESTER, VA 23831 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.05% |
| TRACY HENSON TUTOR3 | 2879 FOSTER DALE CV GERMANTOWN, TN 38138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.03% |
| RICHARD MOSELEY JR3 | 10206 N HAMPTON LANE FREDERICKSBURG, VA 22408 | AFLAC | $615 | $0 | $615 | 3.55% |
| SHEILA MOYER3 | 3 APPLING RD STAFFORD, VA 22554 | AFLAC | $154 | $0 | $154 | 0.89% |
| RYAN DREBING3 | 2112 N ROAN ST SUITE 702 JOHNSON CITY, TN 37601 | AFLAC | $92 | $0 | $92 | 0.53% |
| ROBERT A ANDERSON3 Filed as: ROBERT ANDERSON | 13710 GENERAL GEARY CT FREDERICKSBURG, VA 22407 | AFLAC | $85 | $0 | $85 | 0.49% |
| ROGER CURTIS POWELL3 | 5637 SHAMROCK HTS COLORADO SPRINGS, CO 80923 | AFLAC | $82 | $0 | $82 | 0.47% |
| SARAH H MCNEMAR3 Filed as: SARAH MCNEMAR | 1123 PELHAM ST CULPEPPER, VA 22701 | AFLAC | $62 | $0 | $62 | 0.36% |
| SHEILA L RAITCH3 Filed as: SHEILA L. RAITCH | 5524 LIBER CT GAINESVILLE, VA 20155 | AFLAC | $60 | $0 | $60 | 0.35% |
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 | 323 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 52 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 375 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 283 | $29K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 89 | $60K |
| Other | AFLAC | 32 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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.