| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARLES R WHITE LLC3 | PO BOX 74336 NORTH CHESTERFIELD, VA 23236 | CIGNA | $5K | $73K | $78K | 4.98% |
| JOHN BENSON MILLEN III3 | 8023 AINSDALE LANE CHESTERFIELD, VA 23832 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 14.07% |
| LAURA H MILLEN3 | 7812 ROCK CRESS DRIVE MOSELEY, VA 23120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $687 | $178 | $865 | 2.03% |
| JOHN E CUMMINGS3 | 204 QUAYSIDE CIR #501 MAITLAND, FL 32751 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $657 | $154 | $811 | 1.90% |
| CHARLES R WHITE LLC3 | PO BOX 74336 NORTH CHESTERFIELD, VA 23236 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $608 | — | $608 | 1.43% |
| PETER JONES3 | 1336 DENNINGS ROAD NEW WINDSOR, MD 21776 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.04% |
| BENJAMIN POMEROY3 | 2300 OAKENGATE LANE MIDLOTHIAN, VA 23113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| CHARLES R WHITE LLC | PO BOX 74336 NORTH CHESTERFIELD, VA 23236 | CIGNA GROUP INSURANCE | $2K | — | $2K | 5.00% |
| CHARLES R WHITE LLC3 | PO BOX 74336 NORTH CHESTERFIELD, VA 23236 | CIGNA GROUP INSURANCE | $2K | — | $2K | 5.00% |
| CHARLES R WHITE LLC | PO BOX 74336 NORTH CHESTERFIELD, VA 23236 | CIGNA GROUP INSURANCE | $4K | — | $4K | 15.00% |
| CHARLES R WHITE LLC3 | PO BOX 74336 NORTH CHESTERFIELD, VA 23236 | CIGNA GROUP INSURANCE | $1K | — | $1K | 15.00% |
| CHARLES R WHITE LLC3 | PO BOX 74336 NORTH CHESTERFIELD, VA 23236 | CIGNA GROUP INSURANCE | $323 | — | $323 | 5.00% |
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 | 193 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 140 | $1.6M |
| Dental | CIGNA | 140 | $1.6M |
| Vision | CIGNA | 140 | $1.6M |
| Life insurance(2 contracts) | CIGNA GROUP INSURANCE | 193 | $39K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 40 | $52K |
| Long-term disability | CIGNA GROUP INSURANCE | 193 | $31K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 193 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.