| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARLES R WHITE LLC3 | PO BOX 31640 HENRICO, VA 23294 | CIGNA | $5K | $63K | $68K | 4.96% |
| JOHN BENSON MILLEN III3 | 8023 AINSDALE LANE CHESTERFIELD, VA 23832 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $410 | $6K | 10.28% |
| CHARLES R WHITE LLC3 | PO BOX 31640 RICHMOND, VA 23294 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.64% |
| JOHN E CUMMINGS3 | PO BOX 5936 GLEN ALLEN, VA 23058 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $854 | $229 | $1K | 1.93% |
| LAURA H MILLEN3 | 8023 AINSDALE LANE CHESTERFIELD, VA 23832 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $895 | $119 | $1K | 1.81% |
| PAMELA HOOD3 Filed as: PAMELA DAWSON HOOD | 12620 HAW BRANCH LANE AMELIA, VA 23002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $118 | — | $118 | 0.21% |
| 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 | $10 | — | $10 | 0.02% |
| LINDA B ALLEN3 | 110 MOUNTAIN VIEW DRIVE ROCKY MOUNT, VA 24151 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| BENJAMIN POMEROY3 | 2300 OAKENGATE LANE MIDLOTHIAN, VA 23113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| CHARLES R WHITE LLC | PO BOX 31640 RICHMOND, VA 23294 | CIGNA GROUP INSURANCE | $1K | — | $1K | 5.00% |
| CHARLES R WHITE LLC | PO BOX 31640 RICHMOND, VA 23294 | CIGNA GROUP INSURANCE | $3K | — | $3K | 15.00% |
| CHARLES R WHITE LLC3 | PO BOX 31640 RICHMOND, VA 23294 | CIGNA GROUP INSURANCE | $1K | — | $1K | 5.00% |
| CHARLES R WHITE LLC3 | PO BOX 31640 RICHMOND, VA 23294 | CIGNA GROUP INSURANCE | $1K | — | $1K | 15.00% |
| CHARLES R WHITE LLC3 | PO BOX 31640 RICHMOND, VA 23294 | CIGNA GROUP INSURANCE | $233 | — | $233 | 5.01% |
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 | 187 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 140 | $1.4M |
| Dental | CIGNA | 140 | $1.4M |
| Vision | CIGNA | 140 | $1.4M |
| Life insurance | CIGNA GROUP INSURANCE | 64 | $23K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 47 | $63K |
| Long-term disability | CIGNA GROUP INSURANCE | 187 | $21K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 187 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.