| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 | 2108 W. LABURNUM AVENUE SUITE 310 RICHMOND, VA 23227 | DELTA DENTAL OF VIRGINIA | $3K | — | $3K | 2.16% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | CIGNA GROUP INSURANCE | $13K | — | $13K | 15.00% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | CIGNA GROUP INSURANCE | $7K | — | $7K | 15.00% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | CIGNA GROUP INSURANCE | $7K | — | $7K | 15.00% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVE STE 201 RALEIGH, NC 27612 | VISION SERVICE PLAN (VSP) | $1K | — | $1K | 4.61% |
| LANCE PITTMAN LLC3 Filed as: LANCE C PITTMAN | 125 LITTLE HAWK PLACE MIDLOTHIAN, VA 23114 | AFLAC | $3K | $290 | $3K | 10.16% |
| MARVIN S THOMPSON3 | 118 LITTLE HAWK PLACE MIDLOTHIAN, VA 23114 | AFLAC | $439 | — | $439 | 1.59% |
| MARK D LUTHER3 | 804 MOOREFIELD PARK DR STE 205 NORTH CHESTERFIELD, VA 23236 | AFLAC | $313 | $54 | $367 | 1.33% |
| DAID N. MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $215 | $54 | $269 | 0.97% |
| PETER R ROUGHTON JR3 | 1015 MANAKIN ROAD MANAKIN SABOT, VA 23103 | AFLAC | $222 | $14 | $236 | 0.85% |
| ERIC FELDER3 | 4924 WYNN LN APT 204 MIDLOTHIAN, VI 23112 | AFLAC | $195 | $22 | $217 | 0.78% |
| ROBERT A ROBERTSON3 | 12791 BUTLERS ROAD AMELIA COURT HOUSE, VA 23002 | AFLAC | $156 | — | $156 | 0.56% |
| FELICIA BAKER3 | 11800 WIESINGER LN MIDLOTHIAN, VI 23113 | AFLAC | $117 | — | $117 | 0.42% |
| CHRIS CRAFT3 | 1316 LONG ACRE RD PALMYRA, VA 22963 | AFLAC | $84 | — | $84 | 0.30% |
| THOMAS J BEMBRY III3 | 7104 NESBITT DRIVE RICHMOND, VA 23225 | AFLAC | $83 | — | $83 | 0.30% |
| LINDA E BARTON3 | 8322 BEN NEVIS DRIVE RICHMOND, VA 23225 | AFLAC | $73 | — | $73 | 0.26% |
| THOMAS E HATCHER JR3 Filed as: THOMAS E. HATCHER JR. | 717 GREEN VALLEY RD STE 200 GREENSBORO, NC 27408 | AFLAC | $56 | — | $56 | 0.20% |
| JULIE THOMPSON PRIOR3 | 600 FERN MEADOW LOOP APT 306 MIDLOTHIAN, VA 23114 | AFLAC | $43 | — | $43 | 0.16% |
| BENJAMIN O THOMPSON SR3 Filed as: BENJAMIN O. THOMPSON SR. | 2012 GAMELAW COURT MIDLOTHIAN, VA 23113 | AFLAC | $33 | — | $33 | 0.12% |
| ROY D MUNSTER3 Filed as: ROY D. MUNSTER | P.O. BOX 5634 GLEN ALLEN, VI 23058 | AFLAC | $26 | — | $26 | 0.09% |
| DAPHNE L. PROCTOR3 | 606 NELWOOD RD. MANAKIN SABOT, VA 23103 | AFLAC | $25 | — | $25 | 0.09% |
| HOLLY A BONIFACE3 Filed as: HOLLY A. BONIFACE | 403 CAMBRIDGE DR LYNCHBURG, VA 24502 | AFLAC | $22 | — | $22 | 0.08% |
| REBECCA F SMITH3 Filed as: REBECCA F. SMITH | 10124 W. BROAD STREET SUITE F GLEN ALLEN, VA 23060 | AFLAC | $15 | — | $15 | 0.05% |
| KATRINA D AIKEN3 Filed as: KATRINA D. AIKEN | 3462 38TH STREET DR. NE HICKORY, NC 28601 | AFLAC | $12 | — | $12 | 0.04% |
| MAUREEN S. PATTERSON3 | 1831 HIGH HILL DR. POWHATAN, VA 23139 | AFLAC | $9 | — | $9 | 0.03% |
| TERRY M HENNIGAN3 Filed as: TERRY M. HENNIGAN | 9600 WATERFALL COVE DR CHESTERFIELD, VA 23832 | AFLAC | $7 | — | $7 | 0.03% |
| FAY JETER MARTIN3 | 19220 FOREST ROAD LYNCHBURG, VA 24502 | AFLAC | $6 | — | $6 | 0.02% |
| KAREN DENISE HARR3 | P.O. BOX 456 PRINCE GEORGE, VA 23875 | AFLAC | $5 | — | $5 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS H. THOMPSON | 1911 OAKENGATE LANE MIDLOTHIAN, VA 23113 | AFLAC | $5 | — | $5 | 0.02% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES R. HILL SR. | 9701 GAYTON ROAD STE 6 RICHMOND, VI 23238 | AFLAC | $4 | — | $4 | 0.01% |
| KENNETH B COFER3 Filed as: KENNETH B. COFER | 5950 SYMPHONY WOODS ROAD STE 214 COLUMBA, MD 21044 | AFLAC | $3 | — | $3 | 0.01% |
| MICHAEL FATHERREE3 | P.O. BOX 36823 TUCSON, AZ 85740 | AFLAC | $1 | — | $1 | 0.00% |
| LANCE PITTMAN LLC3 Filed as: LANCE C. PITTMAN | 125 LITTLE HAWK PLACE MIDLOTHIAN, VA 23114 | AFLAC | $3K | $304 | $3K | 11.68% |
| PETER R ROUGHTON JR3 Filed as: PETER R. ROUGHTON JR. | 1015 MANAKIN ROAD MANAKIN SABOT, VA 23103 | AFLAC | $2K | $177 | $2K | 7.17% |
| MARK D LUTHER3 Filed as: MARK D. LUTHER | 804 MOOREFIELD PARK DR. STE 205 NORTH CHESTERFIELD, VA 23236 | AFLAC | $571 | $82 | $653 | 2.48% |
| MARVIN S THOMPSON3 Filed as: MARVIN S. THOMPSON | 118 LITTLE HAWK PLACE MIDLOTHIAN, VA 23114 | AFLAC | $442 | — | $442 | 1.68% |
| FELICIA BAKER3 | 11800 WIESINGER LN MIDLOTHIAN, VI 23113 | AFLAC | $415 | — | $415 | 1.58% |
| DAVID N MORGAN3 Filed as: DAVID N. MORGAN | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $250 | $82 | $332 | 1.26% |
| ROBERT A ROBERTSON3 Filed as: ROBERT A. ROBERTSON | 12791 BUTLERS RD AMELIA COURTHOUSE, VA 23002 | AFLAC | $153 | — | $153 | 0.58% |
| ERIC FELDER3 | 4924 WYNN LN APT 204 MIDLOTHIAN, VA 23112 | AFLAC | $71 | $9 | $80 | 0.30% |
| THOMAS E HATCHER JR3 Filed as: THOMAS E. HATCHER JR. | 717 GREEN VALLEY RD STE 200 GREENSBORO, NC 27408 | AFLAC | $39 | — | $39 | 0.15% |
| ROY D MUNSTER3 Filed as: ROY D. MUNSTER | P.O. BOX 5634 GLEN ALLEN, VA 23058 | AFLAC | $36 | — | $36 | 0.14% |
| BENJAMIN O THOMPSON SR3 Filed as: BENJAMIN O. THOMPSON SR. | 2012 GAMELAW COURT MIDLOTHIAN, VI 23113 | AFLAC | $12 | — | $12 | 0.05% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY RD STE F RICHMOND, NC 27409 | CIGNA GROUP INSURANCE | $1K | — | $1K | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHKEEPERS INC. EIN 54-1356687 NONE | Other fees; Float revenue; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | 3350 PEACHTREE ROAD ATLANTA, GA 303261039 | $63K |
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 DENTAL CLAIMS ADMIN | Contract Administrator Service code 13 | 4818 STARKEY ROAD ROANOKE, VA 240188542 | $13K |
| ANTHEM HEALTH PLANS OF VIRGINIA INC EIN 54-0357120 NONE | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 2221 EDWARD HOLLAND DRIVE RICHMOND, VI 23230 | $0 |
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 | 368 | 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) | 370 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTHKEEPERS | 462 | $320K |
| Dental | DELTA DENTAL OF VIRGINIA | 538 | $134K |
| Vision(3 contracts, 3 carriers) | ANTHEM HEALTHKEEPERS | 462 | $351K |
| Life insurance | CIGNA GROUP INSURANCE | 368 | $86K |
| Short-term disability | CIGNA GROUP INSURANCE | 240 | $46K |
| Long-term disability | CIGNA GROUP INSURANCE | 186 | $48K |
| Prescription drug(2 contracts, 2 carriers) | ANTHEM HEALTHKEEPERS | 462 | $320K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | ANTHEM HEALTHKEEPERS | 462 | $320K |
| Other(4 contracts, 2 carriers) | CIGNA GROUP INSURANCE | 368 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 538 | — |
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.