| 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 | 2.25% |
| 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 | $12K | $1K | $14K | 16.75% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | PO BOX 211486 COLUMBIA, SC 29221 | CIGNA GROUP INSURANCE | — | $3K | $3K | 4.00% |
| LANCE PITTMAN LLC3 Filed as: LANCE C PITTMAN | 125 LITTLE HAWK PLACE MIDLOTHIAN, VA 23114 | AFLAC | $3K | $44 | $3K | 6.09% |
| MARVIN S THOMPSON3 | 615 KERRI COVE CT. APR 202 MIDLOTHIAN, VA 23113 | AFLAC | $951 | — | $951 | 1.81% |
| FELICIA BAKER3 | 804 MOOREFIELD PARK DR. STE 205 MIDLOTHIAN, VI 23236 | AFLAC | $406 | $9 | $415 | 0.79% |
| ROBERT A ROBERTSON3 | 12791 BUTLERS ROAD AMELIA COURT HOUSE, VA 23002 | AFLAC | $382 | — | $382 | 0.73% |
| HEYWARD RICHARDSON JR3 Filed as: HEYWARD RICHARDSON JR. | 161 PONTIAC BUSINESS CENTER DR STE 1020 ELGIN, SC 29045 | AFLAC | $334 | — | $334 | 0.64% |
| PETER R ROUGHTON JR3 | 1015 MANAKIN ROAD MANAKIN SABOT, VA 23103 | AFLAC | $292 | — | $292 | 0.56% |
| FLOYD E JONES III3 Filed as: FLOYD EUGENE JONES | 7403 SOMOA DR HENRICO, VA 23228 | AFLAC | $259 | — | $259 | 0.49% |
| GENIA ANNE TENCH3 | 804 MOOREFIELD PARK DRIVE STE 108 RICHMOND, VA 23236 | AFLAC | $237 | $9 | $246 | 0.47% |
| MARK D LUTHER3 | 804 MOOREFIELD PARK DR STE 205 NORTH CHESTERFIELD, VA 23236 | AFLAC | $245 | — | $245 | 0.47% |
| DAVID N MORGAN3 Filed as: DAVID N. MORGAN | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $135 | — | $135 | 0.26% |
| THOMAS E HATCHER JR3 Filed as: THOMAS E. HATCHER JR. | 1588 BAYTREE DRIVE HARRELLS, NC 27408 | AFLAC | $106 | — | $106 | 0.20% |
| LINDA E BARTON3 | 8322 BEN NEVIS DRIVE RICHMOND, VA 23225 | AFLAC | $82 | — | $82 | 0.16% |
| ROY D MUNSTER3 Filed as: ROY D. MUNSTER | P.O. BOX 5634 GLEN ALLEN, VA 23058 | AFLAC | $66 | — | $66 | 0.13% |
| ERIC FELDER3 | 4924 WYNN LN APT 204 MIDLOTHIAN, VA 23112 | AFLAC | $56 | — | $56 | 0.11% |
| CHRIS CRAFT3 | P.O. BOX 115 DUNDAS, VA 23938 | AFLAC | $51 | — | $51 | 0.10% |
| JULIE THOMPSON PRIOR3 | 600 FERN MEADOW LOOP APT 306 MIDLOTHIAN, VA 23114 | AFLAC | $49 | — | $49 | 0.09% |
| DAVID C BERRY3 Filed as: DAVID BERRY | 2545 HEATHWAY DR FLORENCE, SC 29501 | AFLAC | $46 | — | $46 | 0.09% |
| BENJAMIN O THOMPSON SR3 Filed as: BENJAMIN O. THOMPSON SR. | 2012 GAMELAW COURT MIDLOTHIAN, VA 23113 | AFLAC | $41 | — | $41 | 0.08% |
| DUANE A ADAMS3 Filed as: DUANE ADAMS | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $41 | — | $41 | 0.08% |
| DAPHNE L. PROCTOR3 | 606 NELWOOD RD. MANAKIN SABOT, VA 23103 | AFLAC | $28 | — | $28 | 0.05% |
| CHRISTOPHER PARSONS3 | 193 BEACH RD POQUOSON, VA 23662 | AFLAC | $27 | — | $27 | 0.05% |
| HOLLY A BONIFACE3 Filed as: HOLLY A. BONIFACE | 6 WHIPPOORWILL LN PALMYRA, VA 22963 | AFLAC | $24 | — | $24 | 0.05% |
| JEREMY J SABO3 | 188 CORVINA DRIVE CLAYTON, NC 27520 | AFLAC | $21 | — | $21 | 0.04% |
| KEITH FRIZZELL3 | 1795 ALYSHEBA WAY STE 1204 LEXINGTON, KY 40509 | AFLAC | $18 | — | $18 | 0.03% |
| RICHARD C. CONOVER3 Filed as: RICHARD C CONOVER | 1103 SCHROCK RD ST 201 COLUMBUS, OH 43229 | AFLAC | $14 | — | $14 | 0.03% |
| AMELIA MORGAN3 | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $14 | — | $14 | 0.03% |
| KATRINA D AIKEN3 Filed as: KATRINA D. AIKEN | 2511 JUDITH ST LYNCHBURG, VA 24501 | AFLAC | $13 | — | $13 | 0.02% |
| SHEIZA KOMALA3 | 7202 SPRINGDALE DR REYNOLDSBURG, OH 43068 | AFLAC | $11 | — | $11 | 0.02% |
| HARE AND ASSOCIATES LLC3 | 470 OLDE WORTHINGTON RD SUITE 250 WESTERVILLE, OH 43082 | AFLAC | $11 | — | $11 | 0.02% |
| RICHARD KRESINSKE3 | 4004 ATLANTIC AVE APT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $11 | — | $11 | 0.02% |
| FAY MARTIN3 | 19220 FOREST RD LYNCHBURG, VA 24502 | AFLAC | $6 | — | $6 | 0.01% |
| KAREN DENISE HARR3 Filed as: KAREN HARR | PO BOX 456 PRINCE GEORGE, VA 23875 | AFLAC | $5 | — | $5 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS H. THOMPSON | 1911 OAKENGATE LANE MIDLOTHIAN, VA 23113 | AFLAC | $5 | — | $5 | 0.01% |
| RUSSELL TINNEY3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $5 | — | $5 | 0.01% |
| KENNETH B COFER3 | 5950 SYMPHONY WOODS ROAD STE 214 COLUMBIA, MD 21044 | AFLAC | $4 | — | $4 | 0.01% |
| GAIL I BEAGLE3 | 323 HUNTS NECK RD POQUOSON, VA 23662 | AFLAC | $4 | — | $4 | 0.01% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES R. HILL SR. | 9701 GAYTON ROAD STE 6 RICHMOND, VA 23238 | AFLAC | $2 | — | $2 | 0.00% |
| DARREN D RIDDLE3 Filed as: DARREN BRUNO | 7542 STONE LAKE DR DUBLIN, OH 43016 | AFLAC | $2 | — | $2 | 0.00% |
| MARKUS MUELLER3 | 633 NE MUSKRAT RUN PORT ST LUCIE, FL 34983 | AFLAC | $2 | — | $2 | 0.00% |
| LEWIS GALE3 | 276 W MILLBROOK RD RALEIGH, NC 27609 | AFLAC | $2 | — | $2 | 0.00% |
| SABRINA ANN PARSONS3 | PO BOX 1264 POQUOSON, VA 23662 | AFLAC | $2 | — | $2 | 0.00% |
| NICHOLAS WAGNER3 | 4665 HAYGOOD ROAD SUITE 402 VIRGINIA BEACH, VA 23455 | AFLAC | $2 | — | $2 | 0.00% |
| MARY LEE NICHOLS3 | 3577 A CHAMBLEE TUCKER RD #304 ATLANTA, GA 30341 | AFLAC | $1 | — | $1 | 0.00% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $1 | — | $1 | 0.00% |
| SHEILA L RAITCH3 | 5524 LIBER CT GAINESVILLE, VA 20155 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL R MARTIN3 | 762 CHAPEL RIDGE DR PITTSBORO, NC 27312 | AFLAC | $1 | — | $1 | 0.00% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | CIGNA GROUP INSURANCE | $7K | $718 | $7K | 16.65% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | PO BOX 211486 COLUMBIA, SC 29221 | CIGNA GROUP INSURANCE | — | $2K | $2K | 4.00% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVE STE 201 RALEIGH, NC 27612 | VISION SERVICE PLAN (VSP) | $2K | — | $2K | 4.03% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | CIGNA GROUP INSURANCE | $6K | $908 | $7K | 17.20% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | PO BOX 211486 COLUMBIA, SC 29221 | CIGNA GROUP INSURANCE | — | $2K | $2K | 4.00% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | CIGNA GROUP INSURANCE | $2K | $167 | $2K | 16.59% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | PO BOX 211486 COLUMBIA, SC 29221 | CIGNA GROUP INSURANCE | — | $419 | $419 | 4.00% |
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 Filed as: HCW EMPLOYEE BENEFIT SERVICES LLC | 4819 EMPEROR BLVD DURHAM, NE 27703 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $378 | $23 | $401 | 16.92% |
| ROBERT W. FOXWORTH INC3 Filed as: ROBERT W. FOXWORTH INC. | 529 CAYMAN AVENUE HOLLY SPRINGS, NC 27540 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $39 | $20 | $59 | 2.49% |
| INSYNC BENEFITS INC3 Filed as: INSYNC BENEFITS INC. | P.O. BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | $8 | $32 | 1.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 4819 EMPEROR BLVD DURHAM, NC 27703 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 1.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHKEEPERS INC. EIN 54-1356687 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Other fees; Contract Administrator; Float revenue Service code 12 | 3350 PEACHTREE ROAD ATLANT, GA 303261039 | $167K |
| ANTHEM HEALTH PLANS OF VIRGINIA INC EIN 54-0357120 NONE | Claims processing; Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue Service code 12 | 2221 EDWARD HOLLAND DRIVE RICHMOND, VA 23230 | $12K |
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 | 351 | 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) | 355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS AND BLUE SHIELD | 531 | $347K |
| Dental | DELTA DENTAL OF VIRGINIA | 561 | $151K |
| Vision | VISION SERVICE PLAN (VSP) | 187 | $41K |
| Life insurance | CIGNA GROUP INSURANCE | 351 | $82K |
| Short-term disability | CIGNA GROUP INSURANCE | 239 | $43K |
| Long-term disability | CIGNA GROUP INSURANCE | 172 | $41K |
| Prescription drug | ANTHEM BLUE CROSS AND BLUE SHIELD | 531 | $347K |
| Stop-loss / reinsurancereinsurance | ANTHEM BLUE CROSS AND BLUE SHIELD | 531 | $347K |
| Other(4 contracts, 3 carriers) | CIGNA GROUP INSURANCE | 351 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 561 | — |
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.