| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHOICE FINANCIAL GROUP LLC3 | 4664 SOUTH BLVD STE 200 B VIRGINIA BEACH, VA 23452 | HEALTHKEEPERS, INC. | $28K | $617 | $28K | 3.32% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 10265 BIRMINGHAM, AL 35202 | HEALTHKEEPERS, INC. | $9K | — | $9K | 1.02% |
| FNBC INC3 | 5311 PATTERSON AVENUE RICHMOND, VA 23226 | HEALTHKEEPERS, INC. | $709 | -$9 | $700 | 0.08% |
| MILLEN GROUP LLC3 | 7501 BOULDER VIEW DR 220 RICHMOND, VA 23225 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $25K | — | $25K | 11.69% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DRIVE GREENSBORO, NC 27409 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 1.60% |
| JOHN BENSON MILLEN III3 | 7812 ROCK CRESS DR MOSELEY, VA 23120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $8K | $21K | 20.92% |
| LAURA H MILLEN3 | 7812 ROCK CRESS DR MOSELEY, VA 23120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $2K | $8K | 7.62% |
| SUZANNE R BROSEMER3 | 6889 WOODSVILLE ROAD HAYES, VA 23072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $207 | $2K | 2.08% |
| SHERRON HOPPER3 | PO BOX 2633 LEXINGTON, SC 29071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $39 | $1K | 1.46% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $216 | $491 | $707 | 0.70% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NORTH CAROLINA L | 200 COLONIAL CENTER PKWY LAKE MARY, FL 32746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $506 | — | $506 | 0.50% |
| NATOSIA VENUS MCNAIR3 | 9005 DANWOOD MANOR TERRACE RICHMOND, VA 23227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $287 | $209 | $496 | 0.49% |
| JOHN E CUMMINGS3 | 204 QUAYSIDE CIR #501 MAITLAND, FL 32751 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $270 | — | $270 | 0.27% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | $100 | $172 | 0.17% |
| PAMELA HOOD3 Filed as: PAMELA DAWSON HOOD | 12620 HAW BRANCH LANE AMELIA, VA 23002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.04% |
| JOHN E LANZETTA3 | 3272 KATIE WAY MECHANICSBURG, PA 17055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.04% |
| ARDENA L MCVICKER3 | 73 KATYDID LANE MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| 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% |
| MILLEN GROUP LLC3 | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $8K | — | $8K | 11.69% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | — | $2K | 3.31% |
| PEAK PERFORMANCE GROUP LLC3 | 7812 ROCK CRESS DR MOSELEY, VA 231201707 | VISION SERVICE PLAN | $955 | — | $955 | 4.21% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $248 | — | $248 | 1.09% |
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 | 113 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 188 | $1.1M |
| Dental | HEALTHKEEPERS, INC. | 188 | $855K |
| Vision | VISION SERVICE PLAN | 116 | $23K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 132 | $172K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 132 | $71K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 132 | $71K |
| Other(3 contracts, 3 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 132 | $386K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.