| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FNBC INC3 Filed as: FNBC INC. | 5311 PATTERSON AVENUE RICHMOND, VA 23226 | HEALTHKEEPERS, INC. | $14K | $4K | $19K | 3.99% |
| CHOICE FINANCIAL GROUP LLC3 | 4664 SOUTH BLVD STE 200 B VIRGINIA BEACH, VA 23452 | HEALTHKEEPERS, INC. | $3K | $551 | $3K | 0.68% |
| PEAK PERFORMANCE GROUP LLC3 | 7501 E BOULDER VIEW DR 220 RICHMOND, VA 23225 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $26K | — | $26K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY | 8570 MAGELLAN PARKWAY STE 1100 RICHMOND, VA 23227 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| JOHN BENSON MILLEN III3 | 7812 ROCK CRESS DR MOSELEY, VA 23120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $13K | $27K | 32.18% |
| LAURA H MILLEN3 | 7812 ROCK CRESS DRIVE MOSELEY, VA 23120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $1K | $12K | 14.21% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NORTH CAROLINA | 200 COLONIAL CENTER PKWY LAKE MARY, FL 32746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $313 | — | $313 | 0.37% |
| JOHN E CUMMINGS3 | 204 QUAYSIDE CIR #501 MAITLAND, FL 32751 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $278 | — | $278 | 0.33% |
| PAMELA HOOD3 Filed as: PAMELA DAWSON HOOD | 12620 HAW BRANCH LANE AMELIA, VA 23002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $235 | — | $235 | 0.28% |
| DAWSON MID-ATLANTIC LLC3 | PO BOX 3320 ASHEVILLE, NC 28802 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $213 | — | $213 | 0.25% |
| JOHN E LANZETTA3 | 3272 KATIE WAY MECHANICSBURG, PA 17055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.05% |
| ARDENA L MCVICKER3 | 73 KATYDID LANE MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.02% |
| CATHY GOOD3 | 545 TOM SAWYER RD DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| WILLIAM E GOOD3 | 545 TOM SAWYER RD DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| DIANNE E MCCOY3 | 9561 SW 63RD LOOP OCALA, FL 34481 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| PEAK PERFORMANCE GROUP LLC3 | 7812 ROCK CRESS DRIVE MOSELEY, VA 231201707 | AMERICAN UNITED LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| FNBC INC3 Filed as: FNBC INC. | 5311 PATTERSON AVENUE RICHMOND, VA 23226 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $14K | $4K | $19K | 39.40% |
| CHOICE FINANCIAL GROUP LLC3 | 4664 SOUTH BLVD STE 200 B VIRGINIA BEACH, VA 23452 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $3K | $551 | $3K | 6.68% |
| PEAK PERFORMANCE GROUP LLC3 | 7812 ROCK CRESS DRIVE MOSELEY, VA 231201707 | VISION SERVICE PLAN | $1K | — | $1K | 5.69% |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 185 | $644K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 178 | $48K |
| Vision | VISION SERVICE PLAN | 104 | $19K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 136 | $161K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 136 | $77K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 136 | $77K |
| Other(3 contracts, 3 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 136 | $332K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.