| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $25K | $0 | $25K | 12.86% |
| LEWIS PAUL GILES3 | PO BOX 39 RINGGOLD, VA 24586 | AFLAC | $721 | $0 | $721 | 3.75% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | AFLAC | $424 | $0 | $424 | 2.21% |
| MELANIE GILES3 | 13924 US HIGHWAY 29 CHATHAM, VA 24531 | AFLAC | $197 | $0 | $197 | 1.03% |
| RUTH P YOUNG3 | 677 BERKMAR CT CHARLOTTESVILLE, VA 22901 | AFLAC | $171 | $0 | $171 | 0.89% |
| BRIAN STEPHEN LAVINDER3 | 331 DOGWOOD DR DANVILLE, VA 24541 | AFLAC | $135 | $0 | $135 | 0.70% |
| MARK BRANDON LAVINDER3 | 412 LYNN ST DANVILLE, VA 24541 | AFLAC | $53 | $0 | $53 | 0.28% |
| LESLIE I DRAPER3 | 8719 COUNTY LINE RD LOT 4 HICKORY, NC 28602 | AFLAC | $48 | $0 | $48 | 0.25% |
| DAVID N MORGAN3 | 240 BEVERLY HILLS CIR APT 532 LYNCHBURG, VA 24502 | AFLAC | $41 | $0 | $41 | 0.21% |
| JUDY L MCCULLOUGH3 | PO BOX 449 FOREST, VA 24551 | AFLAC | $39 | $0 | $39 | 0.20% |
| BETHANY HILLIARD3 | 226 BRANDON CT DANVILLE, VA 24541 | AFLAC | $25 | $0 | $25 | 0.13% |
| RICHARD CHAPMAN3 | 42444 DOGWOOD GLEN SQ STERLING, VA 20166 | AFLAC | $20 | $0 | $20 | 0.10% |
| LETHANIEL CHANDLER3 | PO BOX 893 HALIFAX, VA 24558 | AFLAC | $7 | $0 | $7 | 0.04% |
| MICHAEL W DILLON3 | 160 SUGAR TREE LN CASCADE, VA 24069 | AFLAC | $6 | $0 | $6 | 0.03% |
| DUANE A ADAMS3 Filed as: DUANE ALLEN ADAMS | 493 BAILEY DR LOUISA, VA 23093 | AFLAC | $4 | $0 | $4 | 0.02% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 240 BEVERLY HILLS CIR APT 532 LYNCHBURG, VA 24502 | AFLAC | $4 | $0 | $4 | 0.02% |
| RUSSELL TINNEY3 | 3440 TORRINGTON WAY APT 7 FAYETTEVILLE, VA 28314 | AFLAC | $4 | $0 | $4 | 0.02% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $2 | $0 | $2 | 0.01% |
| GEORGE WILLIAMS3 Filed as: GEORGE LOWNDES WILLIAMS | 208 GRAND PARK BLVD CHARLESTON, SC 29492 | AFLAC | $1 | $0 | $1 | 0.01% |
| MICHAEL R MARTIN3 | 32 OLD HICKORY PITTSBORO, NC 27312 | AFLAC | $1 | $0 | $1 | 0.01% |
| BETTY DILLON3 | 160 SUGAR TREE LN CASCADE, VA 24069 | AFLAC | $1 | $0 | $1 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN, A MARSH & MCLENNAN | 161 WASHINGTON STREET CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $372 | $3K | 14.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN, A MARSH & MCLENNAN | 161 WASHINGTON STREET CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $361 | $3K | 19.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN, A MARSH & MCLENNAN | 161 WASHINGTON STREET CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $283 | $2K | 19.11% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $956 | $0 | $956 | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN, A MARSH & MCLENNAN | 161 WASHINGTON STREET CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $744 | $99 | $843 | 17.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN, A MARSH & MCLENNAN | 161 WASHINGTON STREET CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $767 | $90 | $857 | 18.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN, A MARSH & MCLENNAN | 161 WASHINGTON STREET CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $179 | $24 | $203 | 17.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC | 3625 N ELM ST STE 200 GREENSBORO, NC 27455 | DELTA DENTAL OF VIRGINIA | $6K | $0 | $6K | — |
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 | 173 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 79 | $195K |
| Dental | DELTA DENTAL OF VIRGINIA | 133 | $0 |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 80 | $10K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 173 | $23K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 59 | $19K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 173 | $13K |
| Other(3 contracts, 2 carriers) | AFLAC | 173 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.