| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KENNETH W SHOLAR3 Filed as: KENNETH W. SHOLAR | 4608 WESTGROVE COURT VIRGINIA BEACH, VA 23455 | AFLAC | $914 | $9 | $923 | 8.86% |
| BRANDON SHOLAR3 Filed as: BRANDON W. SHOLAR | 4608 WESTGROVE COURT VIRGINIA BEACH, VA 23455 | AFLAC | $686 | $9 | $695 | 6.67% |
| ANDREA L SHERMAN3 Filed as: ANDREA L. SHERMAN | 1348 FIVE FORKS ROAD VIRGINIA BEACH, VA 23455 | AFLAC | $312 | $4 | $316 | 3.03% |
| NICHOLAS WAGNER3 | 1508 BACK COVE ROAD VIRGINIA BEACH, VA 23454 | AFLAC | $195 | $0 | $195 | 1.87% |
| PLUMB & ASSOCIATES INC3 Filed as: PLUMB & ASSOCIATES INC. | 3228 DEER PARK DRIVE VIRGINIA BEACH, VA 23452 | AFLAC | $76 | $0 | $76 | 0.73% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES BROWN & VARIOUS AGENTS | 2522 OWENS LANDING TRAIL NW KENNESAW, GA 30152 | AFLAC | $42 | $0 | $42 | 0.40% |
| MEGAN DANCEL3 | 25261 LARCH STREET NW ISANTI, MN 55040 | AFLAC | $26 | $4 | $30 | 0.29% |
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 | 270 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 225 | $2.6M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 348 | $137K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 348 | $137K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 223 | $174K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 223 | $174K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 223 | $174K |
| Prescription drug(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 225 | $2.6M |
| Other(3 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY | 270 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 348 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.