| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $789 | $34K | $35K | 4.06% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFITS CORPORATION | 1410 SPRING HILL ROAD MCLEAN, VA 22033 | AETNA LIFE INSURANCE CO. | $10K | — | $10K | 2.66% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 274099693 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $2K | $14K | 9.13% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVE. RALEIGH, NC 276124954 | METROPOLITAN LIFE INSURANCE COMPANY | — | $47 | $47 | 0.03% |
| MICHAEL BENDER3 | 7803 ORCHARD GATE COURT BETHESDA, MD 20817 | AFLAC | $2K | $67 | $3K | 10.51% |
| BB&T INSURANCE SERVICES, INC.3 | PO BOX 700 WAYNESBORO, VA 22980 | AFLAC | $289 | — | $289 | 1.19% |
| YVONNE CRISPINO KLINGER3 Filed as: YVONNE KLINGER | 152 ROLLINS AVENUE SUITE 210 ROCKVILLE, MD 20852 | AFLAC | $201 | — | $201 | 0.83% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVENUE BETHESDA, MD 20814 | AFLAC | $187 | — | $187 | 0.77% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $121 | — | $121 | 0.50% |
| BOYD GLOVER JR3 Filed as: BOYD M. GLOVER, JR. | 69 MOORCLIFFE LANE VERONA, VA 24482 | AFLAC | $80 | — | $80 | 0.33% |
| MARK JOHNSTON3 | 934 SWEENEY DRIVE SUITE 8 HAGERSTOWN, MD 21740 | AFLAC | $76 | — | $76 | 0.31% |
| DANIEL E ALTMIRE3 Filed as: DANIEL E. ALTMIRE | 128000 MIDDLEBROOK ROAD SUITE 490 GERMANTOWN, MD 20874 | AFLAC | $58 | $13 | $71 | 0.29% |
| ARON D TERAN3 | 3684 HOLBORN PL. FREDERICK, MD 21704 | AFLAC | $47 | $13 | $60 | 0.25% |
| ALFRED E DEVINE3 | 324 DEVINE WAY SILER CITY, NC 27344 | AFLAC | $48 | — | $48 | 0.20% |
| MEGAN R SILVERMAN3 Filed as: MEGAN R. SILVERMAN | 1423 MARTIN MEADOWS DR. FALLSTON, MD 21047 | AFLAC | $45 | — | $45 | 0.19% |
| CHRISTOPHER PARSONS3 | 193 BEACH ROAD POQUOSON, VA 23662 | AFLAC | $40 | — | $40 | 0.16% |
| ERIC M SILVERMAN3 Filed as: ERIC M. SILVERMAN | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | AFLAC | $29 | — | $29 | 0.12% |
| EDWIN VEGA3 | 134 PINECOVE AVENUE ODENTON, MD 21113 | AFLAC | $19 | — | $19 | 0.08% |
| KENNY H. POWELL3 | 507 QUAKER LAKE DRIVE ARCHDALE, NC 27263 | AFLAC | $12 | — | $12 | 0.05% |
| STEPHEN W CROTTS SR3 Filed as: STEPHEN CROTTS, SR. | 514 E 3RD STREET UNIT C SILER CITY, NC 27344 | AFLAC | $7 | — | $7 | 0.03% |
| RONALD E KIRKLAND3 Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $5 | — | $5 | 0.02% |
| JEREMY A FELDMAN3 Filed as: JEREMY FELDMAN | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $5 | — | $5 | 0.02% |
| KELLY LYNN FELDMAN3 Filed as: KELLY FELDMAN | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $5 | — | $5 | 0.02% |
| KIMBERLY L LUSHBAUGH3 Filed as: KIMBERLY LUSHBAUGH | 14 CATAWBA CIRCLE HAGERSTOWN, MD 21742 | AFLAC | $3 | — | $3 | 0.01% |
| JAMES R HILL JR3 Filed as: JAMES HILL, JR | P. O. BOX 13272 GREENSBORO, NC 27415 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL MARTIN3 | 442 KING GEORGE AVENUE SW ROANOKE, VA 24016 | AFLAC | $1 | — | $1 | 0.00% |
| SABRINA ANN PARSONS3 Filed as: SABRINA PARSONS | 193 BEACH ROAD POQUOSON, VA 23662 | AFLAC | $1 | — | $1 | 0.00% |
| JESSICA L PORTER3 Filed as: JESSICA PORTER | 16908 CAVALRY DRIVE WILLIAMSPORT, MD 21795 | AFLAC | $1 | — | $1 | 0.00% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 27612 | DOMINION DENTAL SERVICES, INC. | $596 | — | $596 | 7.78% |
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 | 192 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 304 | $1.2M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 358 | $166K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 304 | $1.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 358 | $158K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 358 | $158K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 358 | $158K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 358 | $182K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.