| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHILD HEALTH CORP OF AMERICA3 | 6803 WEST 64TH ST, SUITE 208 SHAWNEE MISSION, KS 66202 | HARTFORD LIFE AND ACCIDENT | $32K | — | $32K | 6.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $26K | $26K | 5.27% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 7325 BEAUFONT SPRINGS DR SUITE 300 RICHMOND, VA 23225 | OPTIMA HEALTH | $28K | — | $28K | 7.59% |
| DAVID W HARLESS3 | 3412 MANOR GROVE CIR GLEN ALLEN, VA 23059 | AFLAC | $17K | $1K | $18K | 6.18% |
| MISC. AGENTS PAID LESS THAN 1003 Filed as: MISC. AGENTS PAID 1000 EACH | DETAIL AVAILABLE FROM CHS 601 CHILDREN'S LANE NORFOLK, VA 23507 | AFLAC | $6K | $225 | $6K | 2.03% |
| JACK L DURHAM3 | 3200 HUNTS BRIDGE CT MIDLOTHIAN, VA 23112 | AFLAC | $4K | $1K | $6K | 1.92% |
| MARK D LUTHER3 | 804 MOOREFIELD PARK DR STE 205 NORTH CHESTERFIELD, VA 23236 | AFLAC | $2K | $512 | $2K | 0.80% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $1K | $450 | $2K | 0.67% |
| CHRIS LACKS3 | 4558 LITTLE RIDGE LN CHESTERFIELD, VA 23832 | AFLAC | $2K | — | $2K | 0.58% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $1K | — | $1K | 0.47% |
| AON CONSULTING INC3 Filed as: AON CONSULTING/RICHMOND | 29840 NETWORK PLACE CHICAGO, IL 606731298 | DELTA DENTAL OF VIRGINIA | $6K | — | $6K | 2.93% |
| CHILD HEALTH CORP OF AMERICA3 Filed as: CHILD HEALTH COPORATION OF AMERICA | 6803 W 64TH ST MISSION, KY 66202 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 5.94% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 4.58% |
| CHILD HEALTH CORP OF AMERICA3 | 6803 WEST 64TH ST, SUITE 208 SHAWNEE MISSION, KS 66202 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 4.27% |
| MISC. AGENTS PAID LESS THAN 1003 Filed as: MISC. AGENTS PAID 100 EACH | DETAIL AVAILABLE FROM CHS 601 CHILDREN'S LANE NORFOLK, VA 23507 | AFLAC | $553 | $17 | $570 | 3.62% |
| DAVID W HARLESS3 | 3412 MANOR GROVE CIRCLE GLEN ALLEN, VA 23059 | AFLAC | $442 | $9 | $451 | 2.86% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $157 | — | $157 | 1.00% |
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 | 2,725 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,744 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | OPTIMA HEALTH | 1,583 | $569K |
| Dental | DELTA DENTAL OF VIRGINIA | 1,674 | $208K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,613 | $501K |
| Short-term disability(2 contracts) | AFLAC | 748 | $308K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,613 | $501K |
| Other(4 contracts, 3 carriers) | AFLAC | 2,613 | $388K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,613 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.