| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARLES R WHITE LLC3 | PO BOX 74336 NORTH CHESTERFIELD, VA 23236 | HARTFORD LIFE AND ACCIDENT | $21K | $10K | $31K | 21.90% |
| LAURA H MILLEN3 | 7812 ROCK CRESS DRIVE MOSELEY, VA 23120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $817 | $4K | 6.81% |
| JOHN BENSON MILLEN III3 | 7812 ROCK CRESS DRIVE MOSELEY, VA 23120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $288 | $3K | 4.81% |
| CHARLES R WHITE LLC3 | PO BOX 74336 NORTH CHESTERFIELD, VA 23236 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $449 | — | $449 | 0.81% |
| JOHN E CUMMINGS3 | 815 OCEANSHORE BLVD #2 OMAND BEACH, FL 32176 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $378 | — | $378 | 0.68% |
| PETER JONES3 | 1336 DENNINGS ROAD NEW WINDSOR, MD 21776 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.03% |
| BENJAMIN POMEROY3 | 66 WEST SQUARE DRIVE RICHMOND, VA 23238 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| CHARLES R WHITE LLC3 | PO BOX 74336 NORTH CHESTERFIELD, VA 23236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $461 | — | $461 | 5.00% |
| CHARLES R WHITE LLC3 | PO BOX 74336 NORTH CHESTERFIELD, VA 23236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $426 | — | $426 | 5.00% |
| CHARLES R WHITE LLC3 | PO BOX 74336 NORTH CHESTERFIELD, VA 23236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
| CHARLES R WHITE LLC3 | PO BOX 74336 NORTH CHESTERFIELD, VA 23236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $417 | — | $417 | 14.99% |
| CHARLES R WHITE LLC3 | PO BOX 74336 NORTH CHESTERFIELD, VA 23236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $92 | — | $92 | 4.99% |
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 | 198 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 198 | $150K |
| Short-term disability(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 198 | $197K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 198 | $148K |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 198 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.
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.