| 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 | $130K | $36K | $166K | 5.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $91K | $91K | 2.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CHARLES A BROWN | 8813 PIELS RD NORTH CHESTERFIELD, VA 23237 | AFLAC | $19K | $1K | $20K | 3.29% |
| DAVID W HARLESS3 | 3412 MANOR GROVE CIR GLEN ALLEN, VA 23059 | AFLAC | $11K | — | $11K | 1.80% |
| 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 | $8K | — | $8K | 1.26% |
| CHRISTOPHER D LACKS3 | 2940 MILITARY RD AMELIA COURT HOUSE, VA 23002 | AFLAC | $6K | $812 | $7K | 1.07% |
| JOSHUA C BURTON3 | 4198 COX RD STE 113 GLEN ALLEN, VA 23060 | AFLAC | $6K | $446 | $6K | 0.97% |
| JACK L DURHAM3 | 3200 HUNTS BRIDGE CT MIDLOTHIAN, VA 23112 | AFLAC | $2K | — | $2K | 0.34% |
| TIMOTHY CAVAZOS3 | 3107 E BROAD ST RICHMOND, VA 23223 | AFLAC | $2K | — | $2K | 0.28% |
| DUANE A ADAMS3 | 493 BAILEY DR LOUISA, VA 23093 | AFLAC | $2K | — | $2K | 0.26% |
| DAVID N MORGAN3 | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $1K | — | $1K | 0.22% |
| MARVIN S THOMPSON3 | 615 KERRI COVE CT APT 202 MIDLOTHIAN, VA 23113 | 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 | 4.53% |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD. STE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $8K | $1K | $10K | 7.94% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 2.32% |
| DAVID W HARLESS3 | 3412 MANOR GROVE CIRCLE GLEN ALLEN, VA 23059 | AFLAC | $702 | — | $702 | 2.32% |
| MISC. AGENTS PAID LESS THAN 1003 | DETAIL AVAILABLE FROM CHS 601 CHILDREN'S LANE NORFOLK, VA 23507 | AFLAC | $523 | — | $523 | 1.73% |
| DUANE A ADAMS3 | 493 BAILEY DR LOUISA, VA 23237 | AFLAC | $235 | — | $235 | 0.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CHARLES A BROWN | 8813 PIELS RD NORTH CHESTERFIELD, VA 23237 | AFLAC | $171 | $35 | $206 | 0.68% |
| CHRISTOPHER D LACKS3 | 2940 MILITARY RD AMELIA COURT HOUSE, VA 23002 | AFLAC | $131 | $28 | $159 | 0.53% |
| JACK L DURHAM3 | 3200 HUNTS BRIDGE CT MIDLOTHIAN, VA 23112 | AFLAC | $143 | — | $143 | 0.47% |
| JOSHUA C BURTON3 | 4198 COX RD STE 113 GLEN ALLEN, VA 23060 | AFLAC | $109 | $13 | $122 | 0.40% |
| AON CONSULTING INC3 | P.O. BOX 905494 CHARLOTTE, NC 28290 | AFLAC | $115 | — | $115 | 0.38% |
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 | 3,689 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 49 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,749 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | OPTIMA HEALTH | 2,975 | $1.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 4,116 | $309K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,608 | $3.0M |
| Short-term disability(2 contracts) | AFLAC | 602 | $649K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 3,608 | $3.0M |
| Other(4 contracts, 3 carriers) | AFLAC | 4,330 | $959K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,330 | — |
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.