| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 274099693 | DEARBORN LIFE INSURANCE COMPANY | $7K | — | $7K | 13.59% |
| EDWARD B TRIVISONNO JR3 | 6802 PARAGON PLACE STE 210 RICHMOND, VA 23230 | DEARBORN LIFE INSURANCE COMPANY | $3K | — | $3K | 6.22% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC BARGER INS | PO BOX 896620 CHARLOTTE, NC 282896620 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.83% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.90% |
| ROBERT A ROBERTSON3 | 12791 BUTLERS RD AMELIA COURT HOUSE, VA 23002 | AFLAC | $831 | $90 | $921 | 5.27% |
| GENIA ANNE TENCH3 | 804 MOOREFIELD PARK DR STE 108 RICHMOND, VA 23236 | AFLAC | $116 | $15 | $131 | 0.75% |
| CHRISTOPHER D LACKS3 | 12536 ST THOMAS CT MIDLOTHIAN, VA 23114 | AFLAC | $114 | — | $114 | 0.65% |
| SHANE ANDY KINNER3 | 10129 ASHLEY MANOR LN MECHANICSVILLE, VA 23116 | AFLAC | $96 | — | $96 | 0.55% |
| SHANE ANDY KINNER3 | 10129 ASHLEY MANOR LN MECHANICSVILLE, VA 23116 | AFLAC | $96 | — | $96 | 0.55% |
| ERIC FELDER3 | 2905 LAKE POINT DR APT 1D MIDLOTHIAN, VA 23112 | AFLAC | $85 | — | $85 | 0.49% |
| BILLIE RATHBURN3 Filed as: BILLIE EVANS | 4580 MARSHALL RUN CIR APT 208 GLEN ALLEN, VA 23059 | AFLAC | $75 | — | $75 | 0.43% |
| JOHN F BRYANT3 | PO BOX 722 QUINTON, VA 23141 | AFLAC | $68 | — | $68 | 0.39% |
| REBECCA F SMITH3 | 5040 SADLER PL STE 110 GLEN ALLEN, VA 23060 | AFLAC | $64 | — | $64 | 0.37% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $54 | — | $54 | 0.31% |
| MARK D LUTHER3 | 1400 MAIN ST APT 610 CANONSBURG, PA 15317 | AFLAC | $29 | — | $29 | 0.17% |
| BILLIE RATHBURN3 | 4580 MARSHALL RUN CIR APT 208 GLEN ALLEN, VA 23059 | AFLAC | $26 | — | $26 | 0.15% |
| BENJAMIN O THOMPSON SR3 | 2012 GAMELAW CT MIDLOTHIAN, VA 23113 | AFLAC | $25 | — | $25 | 0.14% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $24 | — | $24 | 0.14% |
| NICHOLAS WAGNER3 | 4665 HAYGOOD RD STE 402 VIRGINIA BEACH, VA 23455 | AFLAC | $21 | — | $21 | 0.12% |
| IRENE L ROBERTSON3 | 12791 BUTLERS RD AMELIA COURT HOUSE, VA 23002 | AFLAC | $16 | — | $16 | 0.09% |
| NICHOLAS WAGNER3 | 1508 BACK COVE RD VIRGINIA BEACH, VA 23454 | AFLAC | $14 | — | $14 | 0.08% |
| RICHARD J KRESINSKE3 | 4004 ATLANTIC AVE APT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $11 | — | $11 | 0.06% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $8 | — | $8 | 0.05% |
| SUSAN N ADAMS3 | 493 BAILEY DR LOUISA, VA 23093 | AFLAC | $7 | — | $7 | 0.04% |
| GEORGE A PAYNE JR3 | 2458 VALLEY VIEW WAY ELLICOTT CITY, MD 21043 | AFLAC | $4 | — | $4 | 0.02% |
| CRISTY PAYNE3 Filed as: CRISTY LYNN PAYNE | 2458 VALLEY VIEW WAY ELLICOTT CITY, MD 21043 | AFLAC | $4 | — | $4 | 0.02% |
| SUSAN N ADAMS3 | 2807 N PARHAM RD STE 380 HENRICO, VA 23294 | AFLAC | $4 | — | $4 | 0.02% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $3 | — | $3 | 0.02% |
| LUCY A AMES3 | 3404 WOODRIDGE CT BOWIE, MD 20721 | AFLAC | $3 | — | $3 | 0.02% |
| RUSSELL TINNEY3 | 3440 TORRINGTON WAY APT 7 FAYETTEVILLE, VA 28314 | AFLAC | $3 | — | $3 | 0.02% |
| JEFFREY SCOTT GIBSON3 | 3009 HUNTON COTTAGE LN GLEN ALLEN, VA 23059 | AFLAC | $3 | — | $3 | 0.02% |
| SHEILA L RAITCH3 | 5524 LIBER CT GAINESVILLE, VA 20155 | AFLAC | $3 | — | $3 | 0.02% |
| KAMIL A BREEDLOVE3 | 400 M ST SE APT 425 WASHINGTON, DC 20003 | AFLAC | $2 | — | $2 | 0.01% |
| JEANNETTE E FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $2 | — | $2 | 0.01% |
| THOMAS FLAGG3 | 6 SPRUCE LN ANNAPOLIS, MD 21401 | AFLAC | $1 | — | $1 | 0.01% |
| AMELIA CARAKER3 | 937 ISAAC CHANEY CT ODENTON, MD 21113 | AFLAC | $1 | — | $1 | 0.01% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $1 | — | $1 | 0.01% |
| JEREMY A FELDMAN3 | 15324 SWEETBAY ST WOODBINE, MA 21797 | AFLAC | $1 | — | $1 | 0.01% |
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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 123 | $44K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 123 | $44K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 104 | $51K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 104 | $51K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 104 | $51K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 104 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.