| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBECCA F SMITH3 | 5040 SADLER PLACE SUITE 110 GLEN ALLEN, VA 23060 | AFLAC | $8K | $254 | $8K | 9.80% |
| JOLENE F PALMORE3 | 5040 SADLER PLACE SUITE 110 GLEN ALLEN, VA 23060 | AFLAC | $2K | $106 | $2K | 2.85% |
| TAMMY MARIE MINOR3 Filed as: TAMMY PARKS | 18039 JEFFERSON DAVIS HIGHWAY RUTHER GLEN, VA 22546 | AFLAC | $2K | $51 | $2K | 2.45% |
| RUEANN M EMERSON3 | 1017 ASHES DRIVE-#106 WILMINGTON, NC 28405 | AFLAC | $2K | $79 | $2K | 2.13% |
| ELIZABETH FOUNTAIN3 | 3305 P STREET RICHMOND, VA 23223 | AFLAC | $2K | — | $2K | 1.93% |
| GENIA ANNE TENCH3 | 804 MOOREFIELD PARK DRIVE-SUITE 108 RICHMOND, VA 23236 | AFLAC | $1K | — | $1K | 1.70% |
| PHYLLIS DAWN HESLEP3 | 4805 LAKE BROOK DRIVE GLEN ALLEN, VA 23060 | AFLAC | $494 | — | $494 | 0.62% |
| JOEL WATERS3 | 2505 IRISDALE AVE. HENRICO, VA 23228 | AFLAC | $363 | $24 | $387 | 0.49% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PLACE MANAKIN SABOT, VA 23103 | AFLAC | $231 | — | $231 | 0.29% |
| ELIZABETH ANNE BUCHANAN3 | 3401 HUNTON RIDGE DRIVE GLEN ALLEN, VA 23059 | AFLAC | $152 | — | $152 | 0.19% |
| JENNIFER TENCH3 | 1902 DORRELL ROAD AYLETT, VA 23009 | AFLAC | $90 | — | $90 | 0.11% |
| DUANE A ADAMS3 | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | AFLAC | $62 | — | $62 | 0.08% |
| DAVID A EMERSON3 | 1017 ASHES DRIVE-#106 WILMINGTON, NC 28405 | AFLAC | $28 | $12 | $40 | 0.05% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 1904 ELLIS DRIVE MAIDENS, VA 23012 | AFLAC | $31 | — | $31 | 0.04% |
| JESSICA M GAINES3 Filed as: JESSICA GAINES | 11511 NUCKOLS ROAD-SUITE P GLEN ALLEN, VA 23059 | AFLAC | $24 | $5 | $29 | 0.04% |
| MARK D LUTHER3 | 804 MOOREFIELD PARK DRIVE SUITE 205 NORTH CHESTERFIELD, VA 23236 | AFLAC | $24 | — | $24 | 0.03% |
| CHRISTOPHER W ROBERTS3 Filed as: CHRISTOPHER ROBERTS | 5624 TRAIL RIDE DRIVE MOSELEY, VA 23120 | AFLAC | $20 | — | $20 | 0.03% |
| LANCE PITTMAN LLC3 | 125 LITTLE HAWK PLACE MIDLOTHIAN, VA 23114 | AFLAC | $17 | — | $17 | 0.02% |
| RICHARD L ATKINSON3 | 3151 FLOYD AVE RICHMOND, VA 23221 | AFLAC | $15 | — | $15 | 0.02% |
| HEATHER HESLEP3 | 3815 BARNYARD TRAIL GLEN ALLEN, VA 23060 | AFLAC | $13 | — | $13 | 0.02% |
| CAROLYN PUTNAM3 | 9045 STUMPY ROAD ASHLAND, VA 23005 | AFLAC | $13 | — | $13 | 0.02% |
| RUSSELL TINNEY3 | 3440 TORRINGTON WAY-APT 7 FAYETTEVILLE, VA 28314 | AFLAC | $7 | — | $7 | 0.01% |
| MARIA BRYAN3 | 1398 BELLE BRANCH ROAD DILLWYN, VA 23936 | AFLAC | $3 | — | $3 | 0.00% |
| BENJAMIN O THOMPSON SR3 Filed as: BENJAMIN THOMPSON SR. | 2012 GAMELAW COURT MIDLOTHIAN, VA 23113 | AFLAC | $2 | — | $2 | 0.00% |
| RICHARD KRESINSKE3 | 4004 ATLANTIC AVE-APT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $1 | — | $1 | 0.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | PO BOX 17380 RICHMOND, VA 23226 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $293 | $3K | 11.18% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | PO BOX 17380 RICHMOND, VA 23226 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $312 | $3K | 11.40% |
| BB&T INSURANCE SERVICES, INC.3 | 2108 W LABURNUM AVE-STE 310 PO BOX 17370 RICHMOND, VA 23226 | AMERITAS LIFE INSURANCE CORP. | $1K | — | $1K | 10.00% |
| BB&T INSURANCE SERVICES, INC.3 | 47 AIRPARK COURT PO BOX 27149 GREENVILLE, SC 29616 | AMERITAS LIFE INSURANCE CORP. | — | $332 | $332 | 2.64% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | PO BOX 17380 RICHMOND, VA 23226 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $149 | $1K | 11.19% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | PO BOX 17380 RICHMOND, VA 23226 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $179 | $22 | $201 | 11.23% |
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 | 290 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 86 | $79K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 117 | $13K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 290 | $22K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 86 | $104K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 35 | $12K |
| Other(2 contracts, 2 carriers) | AFLAC | 89 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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."
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.