| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARLES R WHITE LLC3 | PO BOX 31640 HENRICO, VA 23294 | CIGNA | $4K | $54K | $58K | 5.15% |
| CHARLES R WHITE LLC3 | PO BOX 19099 HENRICO, VA 23294 | CIGNA | — | $7K | $7K | 0.57% |
| JOHN BENSON MILLEN III3 | 8023 AINSDALE LANE CHESTERFIELD, VA 23832 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 10.94% |
| CHARLES R WHITE LLC3 | PO BOX 31640 HENRICO, VA 23294 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.35% |
| LAURA H MILLEN3 | 8023 AINSDALE LANE CHESTERFIELD, VA 23832 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $517 | $2K | 2.94% |
| PAMELA HOOD3 Filed as: PAMELA DAWSON HOOD | 12620 HAW BRANCH LANE AMELIA, VA 23002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $2 | $1K | 2.44% |
| JOHN E CUMMINGS3 | PO BOX 5936 GLEN ALLEN, VA 23058 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $989 | $309 | $1K | 2.35% |
| WILLIAM A FINNIE3 | 10916 TRAY WAY GLEN ALLEN, VA 23060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $214 | — | $214 | 0.39% |
| PETER JONES3 | 1336 DENNINGS ROAD NEW WINDSOR, MD 21776 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.03% |
| WORKSITE STRATEGIES LLC3 | PO BOX 19099 ROANOKE, VA 24019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.02% |
| LINDA B ALLEN3 | 110 MOUNTAIN VIEW DRIVE ROCKY MOUNT, VA 24151 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| BENJAMIN POMEROY3 | 2300 OAKENGATE LANE MIDLOTHIAN, VA 23113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| REBECCA B LOPEZ3 | PO BOX 19099 ROANOKE, VA 24019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CHARLES R WHITE LLC3 | PO BOX 31640 RICHMOND, VA 23294 | CIGNA GROUP INSURANCE | $1K | $708 | $2K | 8.08% |
| CHARLES R WHITE LLC3 | PO BOX 19099 HENRICO, VA 23294 | CIGNA GROUP INSURANCE | $3K | $527 | $4K | 17.39% |
| CHARLES R WHITE LLC3 | PO BOX 31640 RICHMOND, VA 23294 | CIGNA GROUP INSURANCE | $1K | $592 | $2K | 7.80% |
| CHARLES R WHITE LLC3 | PO BOX 31640 HENRICO, VA 23294 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $595 | — | $595 | 5.00% |
| CHARLES R WHITE LLC3 | PO BOX 19099 HENRICO, VA 23294 | CIGNA GROUP INSURANCE | $1K | $222 | $1K | 18.25% |
| CHARLES R WHITE LLC3 | PO BOX 31640 HENRICO, VA 23294 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $271 | — | $271 | 4.99% |
| CHARLES R WHITE LLC3 | PO BOX 31640 RICHMOND, VA 23294 | CIGNA GROUP INSURANCE | $232 | $142 | $374 | 8.06% |
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 | 157 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 157 | $1.1M |
| Dental | CIGNA | 157 | $1.1M |
| Vision | CIGNA | 157 | $1.1M |
| Life insurance(5 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 161 | $117K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 54 | $62K |
| Long-term disability(2 contracts, 2 carriers) | CIGNA GROUP INSURANCE | 161 | $27K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 161 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.