| 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 | $203K | $32K | $235K | 8.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $79K | $79K | 2.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CHARLES A BROWN | 8813 PIELS RD NORTH CHESTERFIELD, VA 23237 | AFLAC | $27K | $2K | $28K | 3.73% |
| CHRISTOPHER D LACKS3 | 7204 WINDING CREEK LN CHESTERFIELD, VA 23832 | AFLAC | $16K | $327 | $16K | 2.17% |
| DAVID W HARLESS3 | 3412 MANOR GROVE CIR GLEN ALLEN, VA 23059 | AFLAC | $14K | $477 | $15K | 1.96% |
| MISC. AGENTS PAID LESS THAN 1003 Filed as: MISC. AGENTS PAID LESS THAN 1000 | DETAIL AVAILABLE FROM CHS 601 CHILDREN'S LANE NORFOLK, VA 23507 | AFLAC | $9K | $111 | $9K | 1.17% |
| JOSHUA C BURTON3 | 2819 N PARHAM RD STE 240 RICHMOND, VA 23294 | AFLAC | $8K | $481 | $9K | 1.16% |
| JACK L DURHAM3 | 3200 HUNTS BRIDGE CT MIDLOTHIAN, VA 23112 | AFLAC | $3K | — | $3K | 0.34% |
| TIMOTHY CAVAZOS3 | 108 ANDREW LINDSEY WILLIAMSBURG, VA 23185 | AFLAC | $2K | — | $2K | 0.32% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $2K | — | $2K | 0.26% |
| DAVID N MORGAN3 | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $2K | — | $2K | 0.22% |
| MARVIN S THOMPSON3 | 615 KERRI COVE CT APT 202 MIDLOTHIAN, VA 23113 | AFLAC | $1K | — | $1K | 0.17% |
| PHILIP WALDROP3 | 7096 SUNNYHILL DR MECHANICSVILLE, VA 23111 | AFLAC | $1K | — | $1K | 0.16% |
| CHILD HEALTH CORP OF AMERICA3 Filed as: CHILD HEALTH COPORATION OF AMERICA | 16011 COLLEGE BLVD. STE 250 LENEXA, KS 66219 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 4.96% |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD. STE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $7K | $1K | $9K | 7.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 2.75% |
| DAVID W HARLESS3 | 3412 MANOR GROVE CIRCLE GLEN ALLEN, VA 23059 | AFLAC | $786 | $21 | $807 | 2.36% |
| MISC. AGENTS PAID LESS THAN 1003 | DETAIL AVAILABLE FROM CHS 601 CHILDREN'S LANE NORFOLK, VA 23507 | AFLAC | $592 | $5 | $597 | 1.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CHARLES A BROWN | 8813 PIELS RD NORTH CHESTERFIELD, VA 23237 | AFLAC | $487 | $49 | $536 | 1.56% |
| CHRISTOPHER D LACKS3 | 7204 WINDING CREEK LN CHESTERFIELD, VA 23832 | AFLAC | $363 | $11 | $374 | 1.09% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $257 | — | $257 | 0.75% |
| JOSHUA C BURTON3 | 2819 N PARHAM RD STE 240 RICHMOND, VA 23294 | AFLAC | $182 | $16 | $198 | 0.58% |
| JACK L DURHAM3 | 3200 HUNTS BRIDGE CT MIDLOTHIAN, VA 23112 | AFLAC | $156 | — | $156 | 0.46% |
| AON CONSULTING INC3 | P.O. BOX 905494 CHARLOTTE, NC 28290 | AFLAC | $126 | — | $126 | 0.37% |
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 | 3,390 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 75 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | OPTIMA HEALTH | 2,869 | $1.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 3,804 | $278K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,217 | $2.9M |
| Short-term disability(2 contracts) | AFLAC | 652 | $792K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 3,217 | $2.9M |
| Other(4 contracts, 3 carriers) | AFLAC | 3,217 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,804 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.