| 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 | $157K | $31K | $188K | 7.88% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $62K | $62K | 2.58% |
| DAVID W HARLESS3 | 3412 MANOR GROVE CIR GLEN ALLEN, VA 23059 | AFLAC | $36K | $693 | $37K | 5.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CHARLES A BROWN | 10137 HUNTERSDELL LN NORTH CHESTERFIELD, VA 23235 | AFLAC | $15K | $778 | $15K | 2.17% |
| CHRIS LACKS3 | 4558 LITTLE RIDGE LN CHESTERFIELD, VA 23832 | AFLAC | $13K | $359 | $13K | 1.88% |
| 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 | $8K | — | $8K | 1.11% |
| RUEANN EMERSON3 | 1017 ASHES DRIVE UNIT 106 WILMINGTON, NC 28405 | AFLAC | $6K | $288 | $6K | 0.87% |
| JACK L DURHAM3 | 3200 HUNTS BRIDGE CT MIDLOTHIAN, VA 23112 | AFLAC | $4K | — | $4K | 0.64% |
| DAVID EMERSON3 | 1017 ASHES DRIVE UNIT 106 WILMINGTON, NC 28405 | AFLAC | $4K | — | $4K | 0.53% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $3K | — | $3K | 0.45% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $3K | — | $3K | 0.40% |
| MARVIN S THOMPSON3 | 615 KERRI COVE CT APT 202 MIDLOTHIAN, VA 23113 | AFLAC | $2K | — | $2K | 0.26% |
| MARK D LUTHER3 | 1400 MAIN STREET APT 610 CANONSBURG, PA 15317 | AFLAC | $2K | $56 | $2K | 0.22% |
| BENJAMIN O THOMPSON SR3 | 2012 GAMELAW COURT MIDLOTHIAN, VA 23113 | AFLAC | $1K | — | $1K | 0.19% |
| MARK OPPE3 | 1817 GREENFIELD DR NORTH CHESTERFIELD, VA 23235 | AFLAC | $1K | $238 | $1K | 0.18% |
| AON CONSULTING INC3 | P.O. BOX 905494 CHARLOTTE, NC 28290 | AFLAC | $1K | — | $1K | 0.15% |
| CHILD HEALTH CORP OF AMERICA3 Filed as: CHILD HEALTH COPORATION OF AMERICA | 16011 COLLEGE BLVD. STE 250 LENEXA, KS 66219 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 5.40% |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD. STE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $5K | $2K | $7K | 7.66% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 2.27% |
| DAVID W HARLESS3 | 3412 MANOR GROVE CIRCLE GLEN ALLEN, VA 23059 | AFLAC | $1K | — | $1K | 3.16% |
| 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 | $613 | — | $613 | 1.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CHARLES BROWN | 10137 HUNTERSDELL LANE NORTH CHESTERFIELD, VA 23235 | AFLAC | $362 | — | $362 | 0.98% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $299 | — | $299 | 0.81% |
| CHRIS LACKS3 | 4558 LITTLE RIDGE LANE CHESTERFIELD, VA 23832 | AFLAC | $254 | — | $254 | 0.68% |
| JACK L DURHAM3 | 3200 HUNTS BRIDGE CT MIDLOTHIAN, VA 23112 | AFLAC | $201 | — | $201 | 0.54% |
| FRANKLIN TRAVIS BLACK3 Filed as: FRANKLIN T BLACK | 5981 WOODFIELD DRIVE KERNERSVILLE, NC 27284 | AFLAC | $190 | — | $190 | 0.51% |
| DAVID EMERSON3 | 1017 ASHES DRIVE UNIT 106 WILMINGTON, NC 28405 | AFLAC | $171 | — | $171 | 0.46% |
| AON CONSULTING INC3 | P.O. BOX 905494 CHARLOTTE, NC 28290 | AFLAC | $146 | — | $146 | 0.39% |
| RUEANN EMERSON3 | 1017 ASHES DRIVE UNIT 106 WILMINGTON, NC 28405 | AFLAC | $142 | — | $142 | 0.38% |
| BRIAN HILL3 | 102 SCALLOP PLACE GOLDSBORO, NC 27530 | AFLAC | $113 | — | $113 | 0.30% |
| DAVID MORGAN3 | 906 MERCHANT LEE PLACE MANAKIN SABOT, VA 23103 | AFLAC | $109 | — | $109 | 0.29% |
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 | 2,983 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 41 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,035 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | OPTIMA HEALTH | 3,074 | $1.3M |
| Dental | DELTA DENTAL OF VIRGINIA | 1,775 | $428K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,983 | $2.4M |
| Short-term disability(2 contracts) | AFLAC | 830 | $744K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,983 | $2.4M |
| Other(4 contracts, 3 carriers) | AFLAC | 2,940 | $963K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,074 | — |
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.