| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEBORAH C BEAGHLER3 | 17923 BRAEMAR PL LEESBURG, VA 201757049 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $74K | $86K | 5.53% |
| DEBORAH C BEAGHLER3 | 17923 BRAEMAR PL LEESBURG, VA 20175 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| DEBORAH C BEAGHLER3 | 17923 BRAEMAR PL LEESBURG, VA 20175 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| DEBORAH C BEAGHLER3 | 17923 BRAEMAR PL LEESBURG, VA 20175 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| DENISE F BEAMAN3 | 2 EDITH DRIVE JACKSONVILLE, NC 28540 | AFLAC | $876 | $0 | $876 | 8.05% |
| MICHELLE BARTON3 Filed as: MICHELLE R BARTON | 3358 WOODBURN RD #12 ANNANDALE, VA 22003 | AFLAC | $374 | — | $374 | 3.44% |
| NEIL M MORGAN JR3 | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $58 | — | $58 | 0.53% |
| AMY L LEDDON3 | PO BOX 191 SUMERDUCK, VA 22742 | AFLAC | $55 | — | $55 | 0.51% |
| STEPHEN BEAMAN3 | 1401 KIMBERLY RD NEW BERN, NC 28562 | AFLAC | $51 | — | $51 | 0.47% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $42 | — | $42 | 0.39% |
| DANIEL J LONG3 | 48 EISENTOWN DR LOVETTSVILLE, VA 20180 | AFLAC | $35 | — | $35 | 0.32% |
| RICHARD MOSELEY JR3 Filed as: RICHARD L MOSELEY JR | 10206 N HAMPTON LANE FREDERICKSBURG, VA 22408 | AFLAC | $28 | — | $28 | 0.26% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES R HILL SR | 9701 GAYTON RD STE 6 RICHMOND, VA 23238 | AFLAC | $23 | — | $23 | 0.21% |
| LEANN POTTER3 | 445 CANYON DR MESQUITE, NV 89027 | AFLAC | $18 | — | $18 | 0.17% |
| GARY W GREENE3 | 1609 W ARLINGTON BLVD SUITE 102 GREENVILLE, NC 27858 | AFLAC | $11 | — | $11 | 0.10% |
| MICHAEL FATHERREE3 | 11876 MOORHEN CIR FORT WORTH, TX 76244 | AFLAC | $7 | — | $7 | 0.06% |
| DEBORAH C BEAGHLER3 | 17923 BRAEMAR PL LEESBURG, VA 20175 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $468 | — | $468 | 9.99% |
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 | 103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 263 | $1.6M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 278 | $1.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 263 | $1.6M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 117 | $33K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 117 | $25K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 117 | $28K |
| Other(2 contracts, 2 carriers) | AFLAC | 117 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.