| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDWARD SIMS3 Filed as: EDWARD OWENS | PO BOX 946 SOUTH BOSTON, VA 24592 | AFLAC | $40K | $1K | $41K | 18.02% |
| SAMUEL DAANE3 | 943 GLENWOOD STATION LANE SUITE 302 CHARLOTTESVILLE, VA 22901 | AFLAC | $10K | $453 | $11K | 4.73% |
| RUTH P YOUNG3 Filed as: RUTH YOUNG | 677 BERKMAR COURT CHARLOTTESVILLE, VA 22901 | AFLAC | $8K | $363 | $9K | 3.73% |
| COREY SMITH3 | 7 MARWOOD DRIVE PALMYRA, VA 22963 | AFLAC | $6K | $243 | $7K | 2.89% |
| LESLIE I DRAPER3 Filed as: LESLIE DRAPER | 201 WIGGINGTON ROAD LYNCHURG, VA 24502 | AFLAC | $3K | $14 | $3K | 1.18% |
| SHELLY PROUT3 | 9701 APOLLO DRIVE SUITE 410 LARGO, MD 20774 | AFLAC | $2K | — | $2K | 0.81% |
| TIMOTHY COTTEN3 | 16323 BEAVER DAM ROAD MONTPELIER, VA 23192 | AFLAC | $1K | $186 | $1K | 0.53% |
| KRISTEN DECKER3 | 767 OLD GREENVILLE ROAD STAUNTON, VA 24401 | AFLAC | $721 | — | $721 | 0.31% |
| ELLEN JEFFERSON3 | 5408 NEBRASKA AVENUE NW WASHINGTON, DC 20015 | AFLAC | $573 | — | $573 | 0.25% |
| SHEM J BOSTICK3 Filed as: SHEM BOSTICK | 1620 S DITMAR STREET OCEANSIDE, CA 92054 | AFLAC | $433 | — | $433 | 0.19% |
| JENNIFER ANN BARRETT3 Filed as: JENNIFER BARRETT | 10301 BREAKWATER COURT OCEAN CITY, MD 21842 | AFLAC | $417 | — | $417 | 0.18% |
| CC BENEFIT SOLUTIONS INC3 | 10301 BREAKWATER COURT OCEAN CITY, MD 21842 | AFLAC | $415 | — | $415 | 0.18% |
| JAMES FORSYTHE3 | 434 BYBEES CHURCH ROAD PALMYRA, VA 22963 | AFLAC | $302 | — | $302 | 0.13% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $298 | — | $298 | 0.13% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN CAPOZZI | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | AFLAC | $263 | — | $263 | 0.11% |
| SEAN MCGARRY3 | 8707 48TH AVENUE COLLEGE PARK, MA 20740 | AFLAC | $262 | — | $262 | 0.11% |
| LINDA YOUNG3 | 3607 GOLDEN HILL DRIVE MITCHELLVILLE, MD 20721 | AFLAC | $258 | — | $258 | 0.11% |
| GEORGE T BARRETT3 Filed as: GEORGE BARRETT | 10301 BREAKWATER COURT OCEAN CITY, MD 21842 | AFLAC | $233 | — | $233 | 0.10% |
| ORAN YOUNG3 | 3607 GOLDEN HILL DRIVE MITCHELLVILLE, MD 20721 | AFLAC | $231 | — | $231 | 0.10% |
| MATTHEW W EVANS3 Filed as: MATTHEW EVANS | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $157 | — | $157 | 0.07% |
| LEWIS PAUL GILES3 Filed as: LEWIS GILES | PO BOX 39 RINGGOLD, VA 24586 | AFLAC | $151 | — | $151 | 0.07% |
| ANTHONY N MOSS3 Filed as: ANTHONY MOSS | 426 MAPLE TOP LANE BUCKINGHAM, VA 23921 | AFLAC | $109 | — | $109 | 0.05% |
| TRACY DEAN VIA3 Filed as: TRACY VIA | 105 WOOD STREET MARTINSVILLE, VA 24112 | AFLAC | $109 | — | $109 | 0.05% |
| GERALD MEGGETT3 | 12020 SWALLOW FALLS COURT SILVER SPRING, MD 20904 | AFLAC | $86 | — | $86 | 0.04% |
| DANIEL E ALTMIRE3 Filed as: DANIEL ALTMIRE | 12800 MIDDLEBROOK ROAD SUITE 490 GERMANTOWN, MA 20874 | AFLAC | $85 | — | $85 | 0.04% |
| JEREMY A FELDMAN3 Filed as: JEREMY FELDMAN | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $76 | — | $76 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: TENECIA BROWN | 2223 BROOKFIELD AVENUE BALTIMORE, MD 21217 | AFLAC | $68 | — | $68 | 0.03% |
| ANGELA JOYNER3 | 1517 PEARL AVENUE CROFTON, MD 21114 | AFLAC | $66 | — | $66 | 0.03% |
| KELLY MCGARRY3 | 2141 INDUSTRIAL PARKWAY SUITE 204 SILVER SPRING, MD 20904 | AFLAC | $60 | — | $60 | 0.03% |
| CODY MOSS3 | 2203 GLENMORE ROAD SCOTTSVILLE, VA 24590 | AFLAC | $49 | — | $49 | 0.02% |
| ERINN BROOKS3 | 209 MILES RIVER COURT ODENTON, MD 21113 | AFLAC | $42 | — | $42 | 0.02% |
| MARCIA E GOGGIN3 Filed as: MARCIA GOGGIN | 901 LOXFORD TERRACE SILVER SPRING, MD 20901 | AFLAC | $41 | — | $41 | 0.02% |
| CAROLINE D MORNINGSTAR3 Filed as: CAROLINE MORNINGSTAR | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $37 | — | $37 | 0.02% |
| JEAN FRESNEL JR3 | 700 12TH STREET NW SUITE 700 WASHINGTON, DC 20006 | AFLAC | $35 | — | $35 | 0.02% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN PITUCH | 23 MORGAN DRIVE SPARTA, NJ 07871 | AFLAC | $25 | — | $25 | 0.01% |
| BRIAN WHITE3 Filed as: BRIAN LEYPOLDT | 67 ALLISON PLACE EGG HARBOR TWP, NJ 08234 | AFLAC | $25 | — | $25 | 0.01% |
| BRENDA BLUNT3 | 1021 COUNTY PARK PLACE RICHMOND, VA 23223 | AFLAC | $20 | — | $20 | 0.01% |
| BETTY DILLON3 | 160 SUGARTREE LANE CASCADE, VA 24069 | AFLAC | $18 | — | $18 | 0.01% |
| CLIFTON SMITH3 | 1611 TUCKERMAN STREET NW WASHINGTON, DC 20011 | AFLAC | $18 | — | $18 | 0.01% |
| MARTHA GOODWIN3 | 16891 OAK STREET DILLWYN, VA 23936 | AFLAC | $18 | — | $18 | 0.01% |
| MICHAEL BACKHOFF3 | 906 BRADFORD AVENUE NASHVILLE, TN 37204 | AFLAC | $17 | — | $17 | 0.01% |
| KELLY LYNN FELDMAN3 Filed as: KELLY FELDMAN | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $13 | — | $13 | 0.01% |
| HILARY RADOLEC3 | 4801 FAIRMONT AVENUE APT 713 BETHESDA, MD 20814 | AFLAC | $11 | — | $11 | 0.00% |
| JUSTIN BURTON3 | 200 MAPLE AVENUE CAMBRIDGE, MD 21613 | AFLAC | $9 | — | $9 | 0.00% |
| DANNY BOGGS3 | 242 HERITAGE PARK DRIVE SUITE 108 MURFREEBORG, TN 37129 | AFLAC | $9 | — | $9 | 0.00% |
| EDWIN VEGA3 | 134 PINECOVE AVNEUE ODENTON, MD 21113 | AFLAC | $8 | — | $8 | 0.00% |
| VBTN, INC3 Filed as: VBTN INC | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $6 | — | $6 | 0.00% |
| RYAN BENEFITS INC3 Filed as: RYAN RENTSCHLER | 205 CIVIC AVENUE SALISBURY, MD 21804 | AFLAC | $6 | — | $6 | 0.00% |
| MATTHEW W EVANS3 Filed as: MATTHEW EVANS | 226 LARCHMONT LANE WEST GROVE, PA 19390 | AFLAC | $6 | — | $6 | 0.00% |
| DAVID WAGENHEIM3 | 582 WODBINE AVENUE TOWSON, MD 21204 | AFLAC | $5 | — | $5 | 0.00% |
| KELSEY EVERT3 | 2055 N MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | AFLAC | $5 | — | $5 | 0.00% |
| JAY OLEARY3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $1 | — | $1 | 0.00% |
| THOMAS BAXTER3 | PO BOX 86 FAYETTEVILLE, GA 30214 | AFLAC | $1 | — | $1 | 0.00% |
| MILLAN B TERRELL3 Filed as: MILLAN TERRELL | 1299 BATTLE CREEK ROAD SUITE 240 JONESBORO, GA 30236 | AFLAC | $1 | — | $1 | 0.00% |
| CHARLENE WOMACK3 | 86 OLD ATLANTA ROAD STOCKBRIDGE, GA 30281 | AFLAC | $1 | — | $1 | 0.00% |
| ALAN W MARTIN3 Filed as: ALAN MARTIN | 12524 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | AFLAC | $1 | — | $1 | 0.00% |
| JOANNA G MATHERLY3 Filed as: JOANNA MATHERLY | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $1 | — | $1 | 0.00% |
| EDWARD SIMS3 Filed as: EDWARD OWENS | PO BOX 946 SOUTH BOSTON, VA 24592 | AFLAC | $63K | $214 | $63K | 27.42% |
| RUTH P YOUNG3 Filed as: RUTH YOUNG | 677 BERKMAR COURT CHARLOTTESVILLE, VA 22901 | AFLAC | $13K | — | $13K | 5.51% |
| LESLIE I DRAPER3 Filed as: LESLIE DRAPER | 201 WIGGINGTON ROAD LYNCHBURG, VA 24502 | AFLAC | $10K | — | $10K | 4.50% |
| SAMUEL DAANE3 | 943 GLENWOOD STATION LANE SUITE 302 CHARLOTTESVILLE, VA 22901 | AFLAC | $7K | — | $7K | 2.98% |
| ATHONY MOSS3 | 428 MAPLE TOP LANE BUCKINGHAM, VA 23921 | AFLAC | $5K | — | $5K | 2.05% |
| COREY SMITH3 | 27 MARWOOD DRIVE PALMYRA, VA 22963 | AFLAC | $3K | — | $3K | 1.36% |
| LEWIS PAUL GILES3 Filed as: LEWIS GILES | PO BOX 39 RINGGOLD, VA 24586 | AFLAC | $2K | — | $2K | 1.04% |
| TRACY DEAN VIA3 Filed as: TRACY VIA | 105 WOOD STREET MARTINSVILLE, VA 24112 | AFLAC | $2K | — | $2K | 0.90% |
| CODY MOSS3 | 2203 GLENMORE ROAD SCOTTSVILLE, VA 24590 | AFLAC | $2K | — | $2K | 0.82% |
| LAUREN DOINO3 | 455 AVONDALE DRIVE DANVILLE, VA 24541 | AFLAC | $1K | — | $1K | 0.55% |
| DAVID BLUGERMAN3 | 4401 MONTGOMERY ROAD LYNCHBURG, VA 24503 | AFLAC | $1K | — | $1K | 0.48% |
| TIMOTHY COTTEN3 | 16323 BEAVER DAM ROAD MONTPELIER, VA 23192 | AFLAC | $902 | — | $902 | 0.39% |
| MICHAEL W DILLON3 Filed as: MICHAEL DILLON | 160 SUGAR TREE LANE CASCADE, VA 24069 | AFLAC | $558 | — | $558 | 0.24% |
| BETTY DILLON3 | 1860 SUGAR TREE LANE CASCADE, VA 24069 | AFLAC | $455 | — | $455 | 0.20% |
| EMILY HINEK3 | 1509 WILTON FARM ROAD CHARLOTTESVILLE, VA 22911 | AFLAC | $309 | — | $309 | 0.13% |
| MARTHA GOODWIN3 | 16891 OAK STREET DILLWYN, VA 23936 | AFLAC | $283 | — | $283 | 0.12% |
| BRENDA BLUNT3 | 1021 COUNTY PARK PLACE RICHMOND, VA 23223 | AFLAC | $270 | — | $270 | 0.12% |
| JODI HUDSON3 | 205 WIGGINGTON ROAD LYNCHBURG, VA 24502 | AFLAC | $137 | — | $137 | 0.06% |
| DANIEL CHRISTIAN3 | 1612 SKIDAWAY ROAD SAVANNAH, GA 31404 | AFLAC | $96 | — | $96 | 0.04% |
| DALE BOSTICK3 | 6677 QUERCUS DRIVE HEBRON, MD 21830 | AFLAC | $18 | — | $18 | 0.01% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $17 | — | $17 | 0.01% |
| SHEM J BOSTICK3 Filed as: SHEM BOSTICK | 1620 S DITMAR STREET OCEANSIDE, CA 92054 | AFLAC | $9 | — | $9 | 0.00% |
| HOWARD K BOWEN3 Filed as: HOWARD BOWEN | 3616 SAND ROAD SNOW HILL, MD 21863 | AFLAC | $9 | — | $9 | 0.00% |
| EVERETT C BENNETT3 Filed as: EVERETT BENNETT | 902 POPLAR STREET MILFORD, DE 19963 | AFLAC | $4 | — | $4 | 0.00% |
| BRADLEY S JONES3 Filed as: BRADLEY JONES | 19 BRITISH AMERICAN BOULEVARD WEST LATHAM, NY 12110 | AFLAC | $4 | — | $4 | 0.00% |
| DORA BOSTICK3 | 1620 S DITMAR STREET OCEANSIDE, CA 92054 | AFLAC | $1 | — | $1 | 0.00% |
| RYAN BENEFITS INC3 Filed as: RYAN RENTSCHLER | 205 CIVIC AVENUE SALISBURY, MD 21804 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES M PITZ3 Filed as: JAMES PITZ | 84 MINK DRIVE CATAULA, GA 31804 | AFLAC | $1 | — | $1 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 12882 COLLECTION CENTER DRIVE CHICAGO, IL 606930128 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $3K | $20K | 12.39% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 142042265 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 4.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | PO BOX 3110 RESTON, VA 20195 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | $3K | $20K | 17.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | PO BOX 3110 RESTON, VA 20195 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $3K | $18K | 18.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | PO BOX 3110 RESTON, VA 20195 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $3K | $18K | 18.37% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION EXCHANGE | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 4.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | PO BOX 3110 RESTON, VA 20195 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $200 | $2K | 16.99% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $950 | $2K | $2K | 26.30% |
| EDWARD SIMS3 Filed as: EDWARD OWENS | PO BOX 946 SOUTH BOSTON, VA 24592 | AFLAC | $1K | — | $1K | 28.35% |
| SARAH ROWLAND3 | 214 KINGSTON DRIVE FOREST, VA 24551 | AFLAC | $295 | — | $295 | 7.28% |
| RUTH P YOUNG3 Filed as: RUTH YOUNG | 677 BERKMAR COURT CHARLOTTESVILLE, VA 22901 | AFLAC | $213 | — | $213 | 5.26% |
| MARK BASSIE3 | 305 CAPITAL LANE FOREST, VA 24551 | AFLAC | $186 | — | $186 | 4.59% |
| KATRINA D AIKEN3 Filed as: KATRINA AIKEN | 2511 JUDITH STREET LYNCHBURG, VA 24501 | AFLAC | $107 | — | $107 | 2.64% |
| KIMBERLY ROBERTSON3 | 4805 LAKE BROOK DRIVE SUITE 220 GLEN ALLEN, VA 23060 | AFLAC | $61 | — | $61 | 1.51% |
| RICHARD CHAPMAN3 | 44073 PEIROSA TERRANCE CHANTILLY, VA 20152 | AFLAC | $13 | — | $13 | 0.32% |
| EDWARD SIMS3 Filed as: EDWARD OWENS | PO BOX 948 SOUTH BOSTON, VA 22922 | AFLAC | $536 | — | $536 | 30.30% |
| LACEY VIAR3 | 518 SAUNDERS LANE ARRINGTON, VA 22922 | AFLAC | $204 | — | $204 | 11.53% |
| RUTH P YOUNG3 Filed as: RUTH YOUNG | 677 GLENWOOD STATION LANE SUITE 302 CHARLOTTESVILLE, VA 22901 | AFLAC | $103 | — | $103 | 5.82% |
| SAMUEL DAANE3 | 943 GLENWOOD STATION LANE SUITE 302 CHARLOTTESVILLE, VA 22901 | AFLAC | $59 | — | $59 | 3.34% |
| EDWARD SIMS3 Filed as: EDWARD OWENS | PO BOX 948 SOUTH BOSTON, VA 24592 | AFLAC | $232 | — | $232 | 32.27% |
| TIMOTHY COTTEN3 | 16323 BEAVER DAM ROAD MONTPELIER, VA 23192 | AFLAC | $106 | — | $106 | 14.74% |
| RUTH P YOUNG3 Filed as: RUTH YOUNG | 677 BERKMAR COURT CHARLOTTESVILLE, VA 22901 | AFLAC | $46 | — | $46 | 6.40% |
| SAMUEL DAANE3 | 943 GLENWOOD STATION LANE SUITE 302 CHARLOTTESVILLE, VA 22901 | AFLAC | $27 | — | $27 | 3.76% |
| EDWARD SIMS3 Filed as: EDWARD OWENS | PO BOX 946 SOUTH BOSTON, VA 24592 | AFLAC | $67 | — | $67 | 21.14% |
| COREY SMITH3 | 27 MARWOOD DRIVE PALMYRA, VA 22963 | AFLAC | $28 | — | $28 | 8.83% |
| RUTH P YOUNG3 Filed as: RUTH YOUNG | 677 BERKMAR COURT CHARLOTTESVILLE, VA 22901 | AFLAC | $15 | — | $15 | 4.73% |
| SAMUEL DAANE3 | 943 GLENWOOD STATION LANE SUITE 302 CHARLOTTESVILLE, VA 22901 | AFLAC | $6 | — | $6 | 1.89% |
| SARAH ROWLAND3 | 214 KINGSTON DRIVE FOREST, VA 24551 | AFLAC | $4 | — | $4 | 1.26% |
| EDWARD SIMS3 Filed as: EDWARD OWENS | PO BOX 946 SOUTH BOSTON, VA 24592 | AFLAC | $87 | — | $87 | 32.34% |
| TIMOTHY COTTEN3 | 16323 BEAVER DAM ROAD MONTPELIER, VA 22901 | AFLAC | $40 | — | $40 | 14.87% |
| RUTH P YOUNG3 Filed as: RUTH YOUNG | 677 BERKMAR COURT CHARLOTTESVILLE, VA 22901 | AFLAC | $17 | — | $17 | 6.32% |
| SAMUEL DAANE3 | 943 GLENWOOD STATION LANE SUITE 302 CHARLOTTESVILLE, VA 22901 | AFLAC | $10 | — | $10 | 3.72% |
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 | 707 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 709 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHKEEPERS INC | 386 | $15K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 552 | $157K |
| Vision(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 419 | $49K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 707 | $115K |
| Short-term disability(3 contracts, 2 carriers) | AFLAC | 172 | $428K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 50 | $98K |
| Other(9 contracts, 3 carriers) | AFLAC | 707 | $486K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 707 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.