| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 2030 MAIN STREET, SUITE 700 IRVINE, CA 92614 | AETNA LIFE INSURANCE COMPANY | — | $91 | $91 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 600 HIGHWAY 169 SOUTH, 18TH FLOOR SAINT LOUIS PARK, MN 55426 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $27 | $11K | 5.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 1018 WEST 9TH AVENUE KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203491 DALLAS, TX 75320 | DELTA DENTAL OF VIRGINIA | $4K | — | $4K | 3.26% |
| LARRY W OWEN3 Filed as: LARRY W. OWEN | PO BOX 783 SALEM, VA 24153 | AFLAC | $12K | $393 | $12K | 13.43% |
| MJ INSURANCE3 Filed as: AUBREY W. DAMRON AND VARIOUS AGENTS | 355 STONELEDGE DRIVE ROANOKE, VA 24019 | AFLAC | $1K | — | $1K | 1.55% |
| JOHN A HAWLEY3 Filed as: JOHN A. HAWLEY | 1390 SOUTHSIDE DRIVE SALEM, VA 24153 | AFLAC | $1K | $79 | $1K | 1.34% |
| HEATHER D HAWLEY3 Filed as: HEATHER D. HAWLEY | 212 BISHOP ROAD BLACKSBURG, VA 24060 | AFLAC | $681 | — | $681 | 0.73% |
| KEVIN L MARTIN3 Filed as: KEVIN L. MARTIN | 1534 LINKS VIEW DRIVE SALEM, VA 24153 | AFLAC | $664 | — | $664 | 0.72% |
| KEVIN L MARTIN3 Filed as: KEVIN L. MARTIN | 608 WEST CARROLLTON AVENUE SALEM, VA 24153 | AFLAC | $452 | $79 | $531 | 0.57% |
| BRIAN CUMPTAN3 | 320 9TH STREET, SUITE 200 HUNTINGTON, WV 25701 | AFLAC | $322 | — | $322 | 0.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 600 HIGHWAY 169 SOUTH, SUITE 1200 SAINT LOUIS PARK, MN 55426 | EYEMED VISION CARE | $2K | — | $2K | 5.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203491 DALLAS, TX 75320 | EYEMED VISION CARE | $1K | — | $1K | 4.34% |
| EMILIE A. DAVIS4 | 17 LINK ROAD LEXINGTON, VA 24450 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $704 | — | $704 | 11.65% |
| TRIVETT WINGO4 | PO BOX 303395 AUSTIN, TX 78703 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $357 | — | $357 | 5.91% |
| JUDITH S. BAKER4 | 3434 STONEHENGE SQUARE ROANOKE, VA 24018 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $35 | — | $35 | 0.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 613 RIVER PARK ROAD BELMONT, NC 28012 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 1.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 1.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 601478 CHARLOTTE, NC 28260 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.07% |
| DANIEL OWEN MACLELLAN3 | PO BOX 58434 NASHVILLE, TN 37205 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.07% |
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 | 476 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 478 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 537 | $3.0M |
| Dental | DELTA DENTAL OF VIRGINIA | 486 | $133K |
| Vision | EYEMED VISION CARE | 390 | $30K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 741 | $188K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 741 | $193K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 741 | $188K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 537 | $3.0M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 741 | $298K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 741 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.