| 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 | $137K | $53K | $190K | 5.56% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $87K | $87K | 2.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CHARLES A BROWN | 8083 BISBROOKE CT MECHANICSVILLE, VA 23116 | AFLAC | $18K | $510 | $19K | 2.74% |
| DAVID W HARLESS3 | 3412 MANOR GROVE CIR GLEN ALLEN, VA 23059 | AFLAC | $12K | — | $12K | 1.74% |
| 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 | — | $9K | 1.29% |
| JOSHUA C BURTON3 | 4198 COX RD STE 113 GLEN ALLEN, VA 23060 | AFLAC | $6K | $226 | $7K | 0.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CHARLES A BROWN | 8813 PIELS RD NORTH CHESTERFIELD, VA 23237 | AFLAC | $5K | $488 | $6K | 0.82% |
| CHRISTOPHER D LACKS3 | 2940 MILITARY RD AMELIA COURT HOUSE, VA 23002 | AFLAC | $5K | — | $5K | 0.75% |
| JACK L DURHAM3 | 3200 HUNTS BRIDGE CT MIDLOTHIAN, VA 23112 | AFLAC | $2K | — | $2K | 0.33% |
| TIMOTHY CAVAZOS3 | 3107 E BROAD ST RICHMOND, VA 23223 | AFLAC | $2K | — | $2K | 0.26% |
| DUANE A ADAMS3 | 493 BAILEY DR LOUISA, VA 23093 | AFLAC | $2K | — | $2K | 0.25% |
| DAVID N MORGAN3 | 240 BEVERLY HILLS CIR APT 532 LYNCHBURG, VA 24502 | AFLAC | $1K | — | $1K | 0.21% |
| MARVIN S THOMPSON3 | 615 KERRI COVE CT APT 202 MIDLOTHIAN, VA 23113 | AFLAC | $1K | — | $1K | 0.16% |
| CHILD HEALTH CORPORATION OF AMERICA3 | 16011 COLLEGE BLVD SUITE 250 LENEXA, KS 66219 | VISION SERVICE PLAN | $11K | — | $11K | 4.57% |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD. STE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $7K | $2K | $9K | 8.67% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 2.37% |
| DAVID W HARLESS3 | 3412 MANOR GROVE CIRCLE GLEN ALLEN, VA 23059 | AFLAC | $737 | — | $737 | 2.38% |
| MISC. AGENTS PAID LESS THAN 1003 | DETAIL AVAILABLE FROM CHS 601 CHILDREN'S LANE NORFOLK, VA 23507 | AFLAC | $573 | — | $573 | 1.85% |
| DUANE A ADAMS3 | 493 BAILEY DR LOUISA, VA 23237 | AFLAC | $260 | — | $260 | 0.84% |
| JACK L DURHAM3 | 3200 HUNTS BRIDGE CT MIDLOTHIAN, VA 23112 | AFLAC | $167 | — | $167 | 0.54% |
| AON CONSULTING INC3 | P.O. BOX 905494 CHARLOTTE, NC 28290 | AFLAC | $130 | — | $130 | 0.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CHARLES A BROWN | 8083 BISBROOKE CT MECHANICSVILLE, VA 23116 | AFLAC | $110 | — | $110 | 0.36% |
| JOSHUA C BURTON3 | 4198 COX RD STE 113 GLEN ALLEN, VA 23060 | AFLAC | $108 | — | $108 | 0.35% |
| CHRISTOPHER D LACKS3 | 2940 MILITARY RD AMELIA COURT HOUSE, VA 23002 | AFLAC | $104 | — | $104 | 0.34% |
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 | 3,455 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 81 | 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 | 2,833 | $1.5M |
| Vision | VISION SERVICE PLAN | 2,130 | $246K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,820 | $3.4M |
| Short-term disability(2 contracts) | AFLAC | 560 | $724K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 3,820 | $3.4M |
| Other(4 contracts, 3 carriers) | AFLAC | 5,691 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,691 | — |
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.