| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEBORAH C BEAGHLER3 | 17923 BRAEMAR PL LEESBURG, VA 201757049 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $77K | $79K | 5.30% |
| DEBORAH C BEAGHLER3 Filed as: DEBORAH BEAGHLER | 17923 BRAEMAR PLACE LEESBURG, VA 20175 | DELTA DENTAL OF VIRGINIA | $14K | — | $14K | 9.26% |
| DEBORAH C BEAGHLER3 | 17923 BRAEMAR PL LEESBURG, VA 20175 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.00% |
| DEBORAH C BEAGHLER3 | 17923 BRAEMAR PL LEESBURG, VA 20175 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 10.00% |
| DEBORAH C BEAGHLER3 | 17923 BRAEMAR PL LEESBURG, VA 20175 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 10.00% |
| DENISE F BEAMAN3 | 2 EDITH DRIVE JACKSONVILLE, NC 28540 | AFLAC | $734 | — | $734 | 7.29% |
| MICHELLE BARTON3 Filed as: MICHELLE R BARTON | 3358 WOODBURN RD #12 ANNANDALE, VA 22003 | AFLAC | $646 | $22 | $668 | 6.63% |
| NEIL M MORGAN JR3 | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $46 | — | $46 | 0.46% |
| STEPHEN BEAMAN3 | 1401 KIMBERLY RD NEW BERN, NC 28562 | AFLAC | $45 | — | $45 | 0.45% |
| AMY LEDDON3 | PO BOX 191 SUMERDUCK, VA 22742 | AFLAC | $30 | $4 | $34 | 0.34% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $30 | — | $30 | 0.30% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES HILL SR | 9701 GAYTON RD STE 6 RICHMOND, VA 23238 | AFLAC | $21 | — | $21 | 0.21% |
| DANIEL J LONG3 Filed as: DANIEL LONG | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $17 | $4 | $21 | 0.21% |
| ROBERT POTTER3 | 445 CANYON DR MESQUITE, NV 89027 | AFLAC | $14 | — | $14 | 0.14% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $6 | — | $6 | 0.06% |
| GREGORY D HILL3 Filed as: GREGORY HILL | 16142 SWALLOWTRAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $2 | — | $2 | 0.02% |
| GARY GREENE3 | 1609 W ARLINTON BLVD SUITE 102 GREENVILLE, NC 27858 | AFLAC | $2 | — | $2 | 0.02% |
| NICHOLAS WAGNER3 | 4665 HAYGOOD ROAD SUITE 402 VIRGINIA BEACH, VA 23455 | AFLAC | $1 | — | $1 | 0.01% |
| DUANE A ADAMS3 Filed as: DUANE ADAMS | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $0 | $1 | $1 | 0.01% |
| AMELIA MORGAN3 | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $0 | $0 | $0 | 0.00% |
| RUSSELL TINNEY3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $0 | $0 | $0 | 0.00% |
| LINDSEY JO MARTIN3 Filed as: LINDSEY MARTIN | 2095 COX CV CONWAY, AR 72034 | AFLAC | $0 | $0 | $0 | 0.00% |
| DEBORAH C BEAGHLER3 | 17923 BRAEMAR PL LEESBURG, VA 20175 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $588 | $0 | $588 | 10.00% |
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 | 150 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 262 | $1.5M |
| Dental | DELTA DENTAL OF VIRGINIA | 263 | $151K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 262 | $1.5M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 112 | $40K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 112 | $29K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 112 | $33K |
| Other(2 contracts, 2 carriers) | AFLAC | 112 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.