| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD. STE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $118K | $21K | $139K | 8.94% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $45K | $45K | 2.86% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 7325 BEAUFONT SPRINGS DR SUITE 300 RICHMOND, VA 23225 | OPTIMA HEALTH | — | $42K | $42K | 5.60% |
| DAVID W HARLESS3 | 3412 MANOR GROVE CIR GLEN ALLEN, VA 23059 | AFLAC | $29K | $1K | $30K | 4.95% |
| JACK L DURHAM3 | 3200 HUNTS BRIDGE CT MIDLOTHIAN, VA 23112 | AFLAC | $7K | $545 | $8K | 1.31% |
| 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 | $5K | $14 | $5K | 0.85% |
| CHRIS LACKS3 | 4558 LITTLE RIDGE LN CHESTERFIELD, VA 23832 | AFLAC | $4K | $266 | $5K | 0.74% |
| MARK D LUTHER3 | 804 MOOREFIELD PARK DR STE 205 NORTH CHESTERFIELD, VA 23236 | AFLAC | $3K | $375 | $4K | 0.58% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $3K | — | $3K | 0.49% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $3K | — | $3K | 0.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CHARLES A BROWN | 10137 HUNTERSDELL LN NORTH CHESTERFIELD, VA 23235 | AFLAC | $3K | $20 | $3K | 0.44% |
| MARK OPPE3 | 1817 GREENFIELD DR NORTH CHESTERFIELD, VA 23235 | AFLAC | $2K | — | $2K | 0.37% |
| MARVIN S THOMPSON3 | 615 KERRI COVE CT APT 202 MIDLOTHIAN, VA 23113 | AFLAC | $2K | — | $2K | 0.31% |
| BENJAMIN O THOMPSON SR3 | 2012 GAMELAW COURT MIDLOTHIAN, VA 23113 | AFLAC | $1K | — | $1K | 0.23% |
| ROBERT A ROBERTSON3 | 12791 BUTLERS ROAD AMELIA COURT HOUSE, VA 23002 | AFLAC | $1K | $109 | $1K | 0.22% |
| AON CONSULTING INC3 | P.O. BOX 905494 CHARLOTTE, NC 28290 | AFLAC | $1K | — | $1K | 0.18% |
| STANLEY C BUKALSKI3 | 8004 GARDENWOOD TERRACE RICHMOND, VA 23227 | AFLAC | $1K | $60 | $1K | 0.17% |
| AON CONSULTING INC3 Filed as: AON CONSULTING/RICHMOND | 29840 NETWORK PLACE CHICAGO, IL 606731298 | DELTA DENTAL OF VIRGINIA | $11K | — | $11K | 2.51% |
| CHILD HEALTH CORP OF AMERICA3 Filed as: CHILD HEALTH COPORATION OF AMERICA | 16011 COLLEGE BLVD. STE 250 LENEXA, KS 66219 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 4.58% |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD. STE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $5K | $663 | $5K | 8.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 3.28% |
| 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 | $727 | — | $727 | 2.57% |
| DAVID W HARLESS3 | 3412 MANOR GROVE CIRCLE GLEN ALLEN, VA 23059 | AFLAC | $682 | — | $682 | 2.41% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $250 | — | $250 | 0.88% |
| JACK L DURHAM3 | 3200 HUNTS BRIDGE CT MIDLOTHIAN, VA 23112 | AFLAC | $166 | — | $166 | 0.59% |
| FRANKLIN TRAVIS BLACK3 Filed as: FRANKLIN T BLACK | 5981 WOODFIELD DRIVE KERNERSVILLE, NC 27284 | AFLAC | $159 | — | $159 | 0.56% |
| AON CONSULTING INC3 | P.O. BOX 905494 CHARLOTTE, NC 28290 | AFLAC | $124 | — | $124 | 0.44% |
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 | 2,847 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 29 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,892 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | OPTIMA HEALTH | 1,595 | $1.2M |
| Dental | DELTA DENTAL OF VIRGINIA | 1,779 | $436K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,767 | $1.6M |
| Short-term disability(2 contracts) | AFLAC | 791 | $640K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,767 | $1.6M |
| Other(4 contracts, 3 carriers) | AFLAC | 2,767 | $815K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,767 | — |
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.