| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBECCA F SMITH3 | 5040 SADLER PLACE SUITE 110 GLEN ALLEN, VA 23060 | AFLAC | $5K | $69 | $5K | 6.67% |
| GENIA ANNE TENCH3 | 804 MOOREFIELD PARK DRIVE-STE 108 RICHMOND, VA 23236 | AFLAC | $1K | — | $1K | 1.51% |
| JOLENE F PALMORE3 | 5040 SADLER PLACE SUITE 110 GLEN ALLEN, VA 23060 | AFLAC | $780 | $9 | $789 | 1.15% |
| TAMMY MARIE MINOR3 | 18039 JEFFERSON DAVIS HIGHWAY RUTHER GLEN, VA 22546 | AFLAC | $754 | $11 | $765 | 1.11% |
| RUEANN M EMERSON3 | 1017 ASHES DRIVE-#106 WILMINGTON, NC 28405 | AFLAC | $543 | $16 | $559 | 0.81% |
| TAMMY MARIE MINOR3 Filed as: TAMMY PARKS | 18039 JEFFERSON DAVIS HIGHWAY-STE 2 RUTHER GLEN, VA 22546 | AFLAC | $472 | $3 | $475 | 0.69% |
| PHYLLIS DAWN HESLEP3 | 4805 LAKE BROOK DRIVE-SUITE 220 GLEN ALLEN, VA 23060 | AFLAC | $387 | — | $387 | 0.56% |
| ELIZABETH FOUNTAIN3 | 909 PERRY ST-APT 215 RICHMOND, VA 23224 | AFLAC | $364 | — | $364 | 0.53% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: CAVAZOS RISK MANAGEMENT LLC | 11551 NUCKOLS ROAD - SUITE P GLEN ALLEN, VA 23059 | AFLAC | $274 | — | $274 | 0.40% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PLACE MANAKIN SABOT, VA 23103 | AFLAC | $181 | — | $181 | 0.26% |
| JOEL WATERS3 | 3106 ENSLOW AVE. RICHMOND, VA 23222 | AFLAC | $144 | $2 | $146 | 0.21% |
| ELIZABETH ANNE BUCHANAN3 | 3401 HUNTON RIDGE DRIVE GLEN ALLEN, VA 23059 | AFLAC | $100 | — | $100 | 0.15% |
| JENNIFER TENCH3 | 1902 DORRELL ROAD AYLETT, VA 23009 | AFLAC | $71 | — | $71 | 0.10% |
| TIMOTHY CAVAZOS3 | 108 ANDREW LINDSEY WILLIAMSBURG, VA 23185 | AFLAC | $59 | — | $59 | 0.09% |
| DUANE A ADAMS3 | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | AFLAC | $51 | — | $51 | 0.07% |
| THE DIAMOND AGENCY LLC3 | 1017 ASHES DRIVE-#106 WILMINGTON, NC 28405 | AFLAC | $37 | — | $37 | 0.05% |
| JUDY L MCCULLOUGH3 | PO BOX 449 FOREST, VA 24551 | AFLAC | $33 | — | $33 | 0.05% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 1904 ELLIS DRIVE MAIDENS, VA 23012 | AFLAC | $25 | — | $25 | 0.04% |
| JESSICA M GAINES3 Filed as: JESSICA GAINES | 10809 KING WILLIAM ROAD-APT 4A AYLETT, VA 23009 | AFLAC | $20 | — | $20 | 0.03% |
| HEATHER HESLEP3 | 3815 BARNYARD TRAIL GLEN ALLEN, VA 23060 | AFLAC | $20 | — | $20 | 0.03% |
| MARK D LUTHER3 | 804 MOOREFIELD PARK DRIVE SUITE 205 NORTH CHESTERFIELD, VA 23236 | AFLAC | $19 | — | $19 | 0.03% |
| CHRISTOPHER W ROBERTS3 Filed as: CHRISTOPHER W. ROBERTS | 2474 GREEN POINT LANE DENVER, NC 28037 | AFLAC | $19 | — | $19 | 0.03% |
| DAVID EMERSON3 | 1017 ASHES DRIVE-STE 106 WILLMINGTON, NC 28405 | AFLAC | $19 | — | $19 | 0.03% |
| CHRISTOPHER W ROBERTS3 | 5624 TRAIL RIDE DRIVE MOSELEY, VA 23120 | AFLAC | $18 | — | $18 | 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% |
| TOM PUTNAM3 | 9045 STUMPY ROAD ASHLAND, VA 23005 | AFLAC | $15 | — | $15 | 0.02% |
| ELIZABETH ANNE BUCHANAN3 | 3401 HUNTON RIDGE DRIVE GLEN ALLEN, VA 23059 | AFLAC | $12 | — | $12 | 0.02% |
| RUSSELL TINNEY3 | 3440 TORRINGTON WAY-APT 7 FAYETTEVILLE, VA 28314 | AFLAC | $5 | — | $5 | 0.01% |
| HUMPHREY STUMP & HAYNIE INS AGENCY3 Filed as: HUMPHREY STUMP & HAYNIE INS. AGENCY | 100 E MAIN ST SALEM, VA 24153 | AFLAC | $5 | — | $5 | 0.01% |
| JOHN A HAWLEY3 | 115 PICKENS COURT KINGSPORT, TN 37663 | AFLAC | $5 | — | $5 | 0.01% |
| KRISTI ENDRES3 | 1305 22ND ST NE WATERTOWN, SD 57201 | AFLAC | $4 | — | $4 | 0.01% |
| BENJAMIN O THOMPSON SR3 Filed as: BENJAMIN THOMPSON SR. | 2012 GAMELAW COURT MIDLOTHIAN, VA 23113 | AFLAC | $2 | — | $2 | 0.00% |
| NEFZGER ENTERPRISES INC3 | 524 W LAKE DRIVE LAKE NORDEN, SD 57248 | AFLAC | $2 | — | $2 | 0.00% |
| DAVID EMERSON3 | 11511 NUCKOLS ROAD-STE P GLEN ALLEN, VA 23059 | AFLAC | $2 | — | $2 | 0.00% |
| JOHN A HAWLEY3 | 1390 SOUTHSIDE DRIVE SALEM, VA 24153 | AFLAC | $2 | — | $2 | 0.00% |
| JESSICA M GAINES3 Filed as: JESSICA GAINES | 11511 NUCKOLS ROAD-SUITE P GLEN ALLEN, VA 23059 | AFLAC | $2 | — | $2 | 0.00% |
| RICHARD KRESINSKE3 | 4004 ATLANTIC AVE-APT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $1 | — | $1 | 0.00% |
| SHON FORD LLC3 | 427 N BROADWAY AVE MILLER, SD 57362 | AFLAC | $1 | — | $1 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 1104 AMHERST STREET WINCHSETER, VA 22601 | ANTHEM LIFE INSURANCE COMPANY | $2K | — | $2K | 3.48% |
| KRAUTER & COMPANY, LLC3 Filed as: KRAUTER & COMPANY LLC | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | ANTHEM LIFE INSURANCE COMPANY | $2K | — | $2K | 3.48% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | AMERITAS LIFE INSURANCE CORP. | $1K | — | $1K | 6.81% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 2108 W LABURNUM AVE-STE 310 PO BOX 17370 RICHMOND, VA 23226 | AMERITAS LIFE INSURANCE CORP. | $540 | $368 | $908 | 5.36% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 27149 GREENVILLE, SC 29616 | AMERITAS LIFE INSURANCE CORP. | — | $368 | $368 | 2.17% |
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 | 410 | 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) | 412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 87 | $69K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 378 | $17K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 714 | $67K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 714 | $136K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 714 | $67K |
| Other(2 contracts, 2 carriers) | AFLAC | 714 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 714 | — |
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.