| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARLES R WHITE LLC3 | PO BOX 31640 RICHMOND, VA 23294 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $76K | $82K | 5.78% |
| CHARLES R WHITE LLC3 | PO BOX 74336 NORTH CHESTERFIELD, VA 23236 | CIGNA | — | $5 | $5 | 0.00% |
| JOHN BENSON MILLEN III3 | 8023 AINSDALE LANE CHESTERFIELD, VA 23832 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $2K | $11K | 19.27% |
| LAURA H MILLEN3 | 7812 ROCK CRESS DRIVE MOSELEY, VA 23120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $255 | $1K | 2.50% |
| JOHN E CUMMINGS3 | 204 QUAYSIDE CIR #501 MAITLAND, FL 32751 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $112 | $1K | 2.06% |
| CHARLES R WHITE LLC3 | PO BOX 74336 NORTH CHESTERFIELD, VA 23236 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $541 | — | $541 | 0.92% |
| PETER JONES3 | 1336 DENNINGS ROAD NEW WINDSOR, MD 21776 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.03% |
| BENJAMIN POMEROY3 | 2300 OAKENGATE LANE MIDLOTHIAN, VA 23113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| CHARLES R WHITE LLC3 | PO BOX 74336 NORTH CHESTERFIELD, VA 23236 | CIGNA GROUP INSURANCE | $2K | — | $2K | 4.94% |
| CHARLES R WHITE LLC3 | PO BOX 74336 NORTH CHESTERFIELD, VA 23236 | CIGNA GROUP INSURANCE | $1K | — | $1K | 4.60% |
| CHARLES R WHITE LLC3 | 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 | $303 | — | $303 | 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 | 267 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 267 | $1.6M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 267 | $1.6M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 267 | $1.6M |
| Life insurance(2 contracts) | CIGNA GROUP INSURANCE | 196 | $36K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 46 | $69K |
| Long-term disability | CIGNA GROUP INSURANCE | 196 | $31K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 196 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.