| 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 | $35K | $35K | 5.00% |
| BANKERS INSURANCE LLC3 | 4490 COX ROAD GLEN ALLEN, VA 23060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $1K | $9K | 13.20% |
| ARTURO BANUELOS3 | 102 WAYNE DRIVE LYNCHBURG, VA 24502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $53 | $3K | 3.84% |
| LARISSA ANN DAVIS3 | 190 DUCK POND LANE APPOMATTOX, VA 24522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 3.11% |
| MADELYN RENE PELCHAT3 | 1004 MAPLE AVENUE EAST VIENNA, VA 22180 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $198 | $2K | 2.54% |
| LESLIE I DRAPER3 Filed as: LESLIE DRAPER | 4270 SOUTH FORK AVENUE HICKORY, NC 28602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.73% |
| TRACY DEAN VIA3 | 103 WOOD STREET MARTINSVILLE, VA 24112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $367 | $794 | $1K | 1.64% |
| STEPHANIE N. DELGADO3 | 119 DOGWOOD STREET AMHERST, VA 24521 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $333 | $0 | $333 | 0.47% |
| SHAWN K STEPHENS3 Filed as: SHAWN K. STEPHENS | 119 SABAL RIDGE LANE MELBOURNE BEACH, FL 32951 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $147 | $0 | $147 | 0.21% |
| ASHLEY SIMPSON GOINS3 | 165 PRITCHETT FARM RD DRY FORK, VA 24549 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $39 | $72 | 0.10% |
| E B SPECIALISTS INC3 | 11140 AFFIRMED CT RUTHER GLEN, VA 22546 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $35 | $52 | 0.07% |
| BANKERS INSURANCE LLC3 | 120 CROWN DRIVE SUITE A DANVILLE, VA 24540 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $3K | $0 | $3K | 9.46% |
| BANKERS INSURANCE LLC3 | 1 STAFFORD CMNS PRINCETON, WV 24740 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| COLIN M. AIKEN3 | 1009 SE 46TH LANE APT 204 CAPE CORAL, FL 33904 | THE PAUL REVERE LIFE INSURANCE COMPANY | $282 | $0 | $282 | 3.21% |
| AIKEN ENTERPRISES LLC3 | 341 GILLIGAN RD HUDSON, NY 12534 | THE PAUL REVERE LIFE INSURANCE COMPANY | $238 | $5 | $243 | 2.77% |
| MADELYN RENE PELCHAT3 | 1004 MAPLE AVENUE EAST VIENNA, VA 22180 | THE PAUL REVERE LIFE INSURANCE COMPANY | $164 | $0 | $164 | 1.87% |
| LARISSA ANN DAVIS3 | 190 DUCK POND LANE APPOMATTOX, VA 24522 | THE PAUL REVERE LIFE INSURANCE COMPANY | $150 | $0 | $150 | 1.71% |
| KEVIN EDWARDS3 | 8332 MOYER CARRIAGE CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $14 | $21 | $35 | 0.40% |
| MEAGAN M MARTIN3 Filed as: MEAGAN M. MARTIN | 6151 DIFFIN RD CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $14 | $17 | $31 | 0.35% |
| LESLIE I DRAPER3 Filed as: LESLIE DRAPER | 4270 SOUTH FORK AVENUE HICKORY, NC 28602 | THE PAUL REVERE LIFE INSURANCE COMPANY | $27 | $0 | $27 | 0.31% |
| JOAQUIN MIRANDA3 | 2727 SW 1ST AVENUE CAPE CORAL, FL 33914 | THE PAUL REVERE LIFE INSURANCE COMPANY | $25 | $0 | $25 | 0.28% |
| TIFFANY ANITA MIRANDA3 | 2727 SW 1ST AVENUE CAPE CORAL, FL 33914 | THE PAUL REVERE LIFE INSURANCE COMPANY | $25 | $0 | $25 | 0.28% |
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 | 98 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 111 | $705K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 98 | $35K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 108 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.