| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGY OF VA INC | 8570 MAGELLAN PARKWAY STE 1100 RICHMOND, VA 23227 | HEALTHKEEPERS, INC. | $17K | — | $17K | 2.77% |
| PERFORMANCE GROUP LLC3 | 7501 E BOULDER VIEW DR 220 RICHMOND, VA 23225 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $16K | — | $16K | 13.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN INSURANCE AGENCY | 8570 MAGELLAN PARKWAY STE 1100 RICHMOND, VA 23227 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 1.66% |
| JOHN BENSON MILLEN III3 | 7812 ROCK CRESS DR MOSELEY, VA 23120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $2K | $9K | 12.39% |
| LAURA H MILLEN3 | 7812 ROCK CRESS DRIVE MOSELEY, VA 23120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $177 | $2K | 2.06% |
| JOHN E CUMMINGS3 | 204 QUAYSIDE CIR #501 MAITLAND, FL 32751 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $100 | $1K | 1.57% |
| DAWSON MID-ATLANTIC LLC3 | PO BOX 3320 ASHEVILLE, NC 28802 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.51% |
| JOHN E LANZETTA3 | 1149 PRESIDENTIAL DRIVE QUAKERTOWN, PA 18951 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 0.07% |
| ARDENA L MCVICKER3 | 73 KATYDID LANE MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.02% |
| CATHY GOOD3 | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| WILLIAM E GOOD3 | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY | 8570 MAGELLAN PARKWAY STE 1100 RICHMOND, VA 23227 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $502 | $7K | 10.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY OF V | 11220 ASSETT LOOP, SUITE 304 MANASSAS, VA 20109 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $3K | — | $3K | 6.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 8570 MAGELLAN PARKWAY STE 1100 RICHMOND, VA 232271160 | VISION SERVICE PLAN | $889 | — | $889 | 6.39% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 152 | $743K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 102 | $48K |
| Vision | VISION SERVICE PLAN | 89 | $14K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 123 | $142K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 123 | $67K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 123 | $67K |
| Other(3 contracts, 3 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 123 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.