| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENJAMIN POMEROY3 | 66 WEST SQUARE DRIVE RICHMOND, VA 23238 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 3.21% |
| JOHN E CUMMINGS3 | 204 QUAYSIDE CIR #501 MAITLAND, FL 32751 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $304 | $0 | $304 | 0.86% |
| GAIL STEWART GOLD3 | 11919 SUNFLOWER LANE RICHMOND, VA 23236 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $269 | $0 | $269 | 0.76% |
| STEVEN E MCNAMEE3 | 9208 OAK SPRINGS CT RICHMOND, VA 23229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $226 | $0 | $226 | 0.64% |
| BEN RUDASILL3 | 499 MARLBOROUGH POINT ROAD STAFFORD, VA 22554 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | 0.07% |
| TIMOTHY S ROSS3 | 5054 LIPPINGHAM DRIVE CHESTER, VA 23831 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.06% |
| TRACY HENSON TUTOR3 | 2879 FOSTER DALE CV GERMANTOWN, TN 38138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.03% |
| JENNIFER TENCH3 | 1299 LOCUST HILL RD AYLETT, VA 23009 | AFLAC | $1K | $31 | $1K | 6.79% |
| FELICIA BAKER3 | 2819 N PARHAM RD SUITE 240 RICHMOND, VA 23294 | AFLAC | $291 | $7 | $298 | 1.68% |
| RICHARD MOSELEY JR3 | 10206 N HAMPTON LANE FREDERICKSBURG, VA 22408 | AFLAC | $290 | $0 | $290 | 1.64% |
| JOSHUA C BURTON3 Filed as: JOSHUA BURTON | 4198 COX RD STE 113 GLEN ALLEN, VA 23060 | AFLAC | $212 | $7 | $219 | 1.24% |
| SHEILA MOYER3 Filed as: SHEILA E MOYER | 3 APPLING RD STAFFORD, VA 22554 | AFLAC | $97 | $0 | $97 | 0.55% |
| RYAN DREBING3 | 2112 N ROAN ST SUITE 702 JOHNSON CITY, TN 37601 | AFLAC | $85 | $0 | $85 | 0.48% |
| LAYMETHA GUY3 | 612 YELLOWSTONE DRIVE HOPEWELL, VA 23860 | AFLAC | $75 | $0 | $75 | 0.42% |
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 | 357 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 381 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 354 | $48K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 69 | $53K |
| Other | AFLAC | 36 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 354 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.