| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEBORAH C BEAGHLER3 Filed as: DEBORAH C. BEAGHLER | 17923 BRAEMAR PLACE LEESBURG, VA 20175 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $153K | $156K | 5.30% |
| DEBORAH C BEAGHLER3 Filed as: DEBORAH C. BEAGHLER | 17923 BRAEMAR PLACE LEESBURG, VA 20175 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28K | $0 | $28K | 10.00% |
| DEBORAH C BEAGHLER3 Filed as: DEBORAH BEAGHLER | 17923 BRAEMAR PLACE LEESBURG, VA 20175 | DELTA DENTAL OF VIRGINIA | $24K | $0 | $24K | 9.14% |
| DENISE F BEAMAN3 Filed as: DENISE F. BEAMAN | 2 EDITH DRIVE JACKSONVILLE, NC 28540 | AFLAC | $486 | $0 | $486 | 6.71% |
| MICHELLE BARTON3 Filed as: MICHELLE R. BARTON | 3358 WOODBURN ROAD, APARTMENT 12 ANNANDALE, VA 22003 | AFLAC | $234 | $22 | $256 | 3.54% |
| STEPHEN BEAMAN3 | 3201 HUNT CLUB LANE NEW BERN, NC 28562 | AFLAC | $42 | $0 | $42 | 0.58% |
| ELIZABETH HUNT3 | 13211 MOUNTAIN ASH COURT WOODBRIDGE, VA 22192 | AFLAC | $36 | $5 | $41 | 0.57% |
| MAXIMILLION JOSEPH PRESS3 | 2400 VALLEY AVENUE, SUITE 9 WINCHESTER, VA 22601 | AFLAC | $27 | $5 | $32 | 0.44% |
| NEIL M MORGAN JR3 Filed as: NEIL M. MORGAN, JR AND OTHER AGENTS | 240 BEVERLY HILLS CIRCLE APARTMENT 532 LYNCHBURG, VA 24502 | AFLAC | $23 | $0 | $23 | 0.32% |
| DANIEL P. STILES3 | 1931 FLOWERING TREE TERRACE SILVER SPRING, MD 20902 | AFLAC | $16 | $0 | $16 | 0.22% |
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 | 231 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 424 | $2.9M |
| Dental | DELTA DENTAL OF VIRGINIA | 413 | $258K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 424 | $2.9M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 231 | $277K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 231 | $277K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 231 | $277K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 424 | $2.9M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 424 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 424 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.