| 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 | 2.02% |
| 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 | $14K | $2K | $16K | 16.99% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | PO BOX 211486 COLUMBIA, SC 29221 | CIGNA GROUP INSURANCE | — | $2K | $2K | 2.33% |
| 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 | — | $1K | $1K | 1.14% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | CIGNA GROUP INSURANCE | $9K | $1K | $10K | 16.65% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | PO BOX 211486 COLUMBIA, SC 29221 | CIGNA GROUP INSURANCE | — | $2K | $2K | 2.63% |
| BB&T INSURANCE SERVICES, INC.3 | GALLIMORE DAIRY RD STE GREENSBORO, NC 27409 | CIGNA GROUP INSURANCE | — | $610 | $610 | 1.00% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | CIGNA GROUP INSURANCE | $7K | $1K | $8K | 16.99% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | PO BOX 211486 COLUMBIA, SC 29221 | CIGNA GROUP INSURANCE | — | $902 | $902 | 1.87% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | CIGNA GROUP INSURANCE | — | $599 | $599 | 1.24% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVE STE 201 RALEIGH, NC 27612 | VISION SERVICE PLAN (VSP) | $2K | — | $2K | 4.21% |
| LANCE PITTMAN LLC3 Filed as: LANCE C PITTMAN | 125 LITTLE HAWK PLACE MIDLOTHIAN, VA 23114 | AFLAC | $2K | $54 | $2K | 5.77% |
| MARVIN S THOMPSON3 | 615 KERRI COVE CT. APR 202 MIDLOTHIAN, VA 23113 | AFLAC | $474 | — | $474 | 1.50% |
| MARK D LUTHER3 | 804 MOOREFIELD PARK DR STE 205 NORTH CHESTERFIELD, VA 23236 | AFLAC | $231 | $14 | $245 | 0.77% |
| FELICIA BAKER3 | 804 MOOREFIELD PARK DR. STE 205 MIDLOTHIAN, VI 23236 | AFLAC | $184 | $11 | $195 | 0.62% |
| HEYWARD RICHARDSON JR3 Filed as: HEYWARD RICHARDSON JR. | 161 PONTIAC BUSINESS CENTER DR STE 1020 ELGIN, SC 29045 | AFLAC | $194 | — | $194 | 0.61% |
| ROBERT A ROBERTSON3 | 12791 BUTLERS ROAD AMELIA COURT HOUSE, VA 23002 | AFLAC | $176 | — | $176 | 0.56% |
| PETER R ROUGHTON JR3 | 1015 MANAKIN ROAD MANAKIN SABOT, VA 23103 | AFLAC | $107 | $14 | $121 | 0.38% |
| DAVID N MORGAN3 Filed as: DAVID N. MORGAN | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $112 | — | $112 | 0.35% |
| ERIC FELDER3 | 4924 WYNN LN APT 204 MIDLOTHIAN, VI 23112 | AFLAC | $102 | — | $102 | 0.32% |
| CHRIS CRAFT3 | P.O. BOX 115 DUNDAS, VA 23938 | AFLAC | $92 | — | $92 | 0.29% |
| LINDA E BARTON3 | 8322 BEN NEVIS DRIVE RICHMOND, VA 23225 | AFLAC | $88 | — | $88 | 0.28% |
| THOMAS E HATCHER JR3 Filed as: THOMAS E. HATCHER JR. | 1588 BAYTREE DRIVE HARRELLS, NC 27408 | AFLAC | $66 | — | $66 | 0.21% |
| JULIE THOMPSON PRIOR3 | 600 FERN MEADOW LOOP APT 306 MIDLOTHIAN, VA 23114 | AFLAC | $53 | — | $53 | 0.17% |
| BENJAMIN O THOMPSON SR3 Filed as: BENJAMIN O. THOMPSON SR. | 2012 GAMELAW COURT MIDLOTHIAN, VA 23113 | AFLAC | $32 | — | $32 | 0.10% |
| ROY D MUNSTER3 Filed as: ROY D. MUNSTER | P.O. BOX 5634 GLEN ALLEN, VI 23058 | AFLAC | $28 | — | $28 | 0.09% |
| DAPHNE L. PROCTOR3 | 606 NELWOOD RD. MANAKIN SABOT, VA 23103 | AFLAC | $28 | — | $28 | 0.09% |
| DAVID C BERRY3 Filed as: DAVID BERRY | 2545 HEATHWAY DR FLORENCE, SC 29501 | AFLAC | $25 | — | $25 | 0.08% |
| HOLLY A BONIFACE3 Filed as: HOLLY A. BONIFACE | 6 WHIPPOORWILL LN PALMYRA, VA 22963 | AFLAC | $24 | — | $24 | 0.08% |
| KATRINA D AIKEN3 Filed as: KATRINA D. AIKEN | 2511 JUDITH ST LYNCHBURG, VA 24501 | AFLAC | $13 | — | $13 | 0.04% |
| DUANE A ADAMS3 Filed as: DUANE ADAMS | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $5 | $2 | $7 | 0.02% |
| FAY MARTIN3 | 19220 FOREST RD LYNCHBURG, VA 24502 | AFLAC | $6 | — | $6 | 0.02% |
| KAREN DENISE HARR3 Filed as: KAREN HARR | PO 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% |
| CHRISTOPHER PARSONS3 | 193 BEACH RD POQUOSON, VA 23662 | AFLAC | $4 | — | $4 | 0.01% |
| FRANCES SHAFFER3 | 14025 TOWER RD SMITHBURG, MD 21783 | AFLAC | $4 | — | $4 | 0.01% |
| AMELIA MORGAN3 | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $2 | $1 | $3 | 0.01% |
| RICHARD KRESINSKE3 | 4004 ATLANTIC AVE APT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $1 | — | $1 | 0.00% |
| KEITH FRIZZELL3 | 1795 ALYSHEBA WAY STE 1204 LEXINGTON, KY 40509 | AFLAC | $1 | — | $1 | 0.00% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | CIGNA GROUP INSURANCE | $1K | $198 | $2K | 14.20% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | PO BOX 211486 COLUMBIA, SC 29221 | CIGNA GROUP INSURANCE | — | $273 | $273 | 2.47% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | CIGNA GROUP INSURANCE | — | $106 | $106 | 0.96% |
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 Filed as: HCW EMPLOYEE BENEFIT SERVICES LLC | 4819 EMPEROR BLVD DURHAM, NE 27703 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $130 | $1K | 49.38% |
| ROBERT W. FOXWORTH INC3 Filed as: ROBERT W. FOXWORTH INC. | 529 CAYMAN AVENUE HOLLY SPRINGS, NC 27540 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $122 | $54 | $176 | 7.33% |
| INSYNC BENEFITS INC3 Filed as: INSYNC BENEFITS INC. | P.O. BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $102 | $70 | $172 | 7.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHKEEPERS INC. EIN 54-1356687 NONE | Other fees; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator; Claims processing Service code 12 | 3350 PEACHTREE ROAD ATLANTA, GA 303261039 | $185K |
| ANTHEM HEALTH PLANS OF VIRGINIA INC EIN 54-0357120 NONE | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Other services Service code 12 | 2221 EDWARD HOLLAND DRIVE RICHMOND, VI 23230 | $6K |
| BB&T INSURANCE SERVICES INC. NONE | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | 113 S WAYNE AVE WAYNESBORO, VA 22980 | $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 | 276 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTHKEEPERS | 423 | $379K |
| Dental | DELTA DENTAL OF VIRGINIA | 487 | $159K |
| Vision | VISION SERVICE PLAN (VSP) | 142 | $38K |
| Life insurance | CIGNA GROUP INSURANCE | 276 | $96K |
| Short-term disability | CIGNA GROUP INSURANCE | 211 | $48K |
| Long-term disability | CIGNA GROUP INSURANCE | 151 | $61K |
| Prescription drug(2 contracts, 2 carriers) | ANTHEM HEALTHKEEPERS | 423 | $379K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | ANTHEM HEALTHKEEPERS | 423 | $379K |
| Other(4 contracts, 3 carriers) | CIGNA GROUP INSURANCE | 276 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 487 | — |
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.