| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BANKERS INSURANCE LLC3 | 4490 COX ROAD GLEN ALLEN, VA 23060 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $40K | $40K | 5.13% |
| BANKERS INSURANCE LLC3 | 4490 COX RD GLEN ALLEN, VA 23060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $0 | $12K | 23.44% |
| LARISSA ANN DAVIS3 | 190 DUCK POND LANE APPOMATTOX, VA 24522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $1K | $7K | 13.16% |
| MADELYN RENE PELCHAT3 | 1004 MAPLE AVENUE EAST VIENNA, VA 22180 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $4K | 7.18% |
| ARTURO BANUELOS3 | 102 WAYNE DR LYNCHBURG, VA 24502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $779 | $4K | 6.92% |
| STEPHANIE N. DELGADO3 Filed as: STEPHANIE N DELGADO | 119 DOGWOOD STREET AMHERST, VA 24521 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 3.99% |
| LESLIE I DRAPER3 Filed as: LESLIE DRAPER | 4270 SOUTH FORK AVE HICKORY, NC 28602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $190 | $2K | 3.51% |
| DONALD B FAULKNER SR3 | 612 IVY GREEN LANE IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $0 | $58 | 0.11% |
| BENEFITS AT WORK LLC3 | 3600 CHATEAU DR COLUMBIA, SC 29204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.02% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $3 | $6 | 0.01% |
| BANKERS INSURANCE LLC3 | 12 HEDEROW DRIVE STAUNTON, VA 24401 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $4K | $0 | $4K | 10.00% |
| BANKERS INSURANCE LLC3 | 4490 COX ROAD GLEN ALLEN, VA 23060 | FIDELITY SECURITY LIFE INSURANCE | $870 | $0 | $870 | 8.98% |
| AIKEN ENTERPRISES LLC3 | 341 GILLIGAN RD HUDSON, NY 12534 | THE PAUL REVERE LIFE INSURANCE COMPANY | $895 | $67 | $962 | 14.33% |
| LARISSA ANN DAVIS3 | 190 DUCK POND LANE APPOMATTOX, VA 24522 | THE PAUL REVERE LIFE INSURANCE COMPANY | $262 | $255 | $517 | 7.70% |
| MADELYN RENE PELCHAT3 | 1004 MAPLE AVENUE EAST VIENNA, VA 22180 | THE PAUL REVERE LIFE INSURANCE COMPANY | $214 | $0 | $214 | 3.19% |
| KEVIN EDWARDS3 | 8332 MOYER CARRIAGE CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $78 | $90 | $168 | 2.50% |
| MEAGAN M MARTIN3 | 6151 DIFFIN RD CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $78 | $81 | $159 | 2.37% |
| LESLIE I DRAPER3 Filed as: LESLIE DRAPER | 4270 SOUTH FORK AVE HICKORY, NC 28602 | THE PAUL REVERE LIFE INSURANCE COMPANY | $153 | $0 | $153 | 2.28% |
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 | 123 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 123 | $781K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 107 | $40K |
| Vision | FIDELITY SECURITY LIFE INSURANCE | 141 | $10K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 75 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.