| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS CORP OF AMERICA3 Filed as: EMPLOYEE BENEFITS CORPORATION OF AM | 1410 SPRING HILL RD STE 150 MCLEAN, VA 22102 | ANTHEM HEALTH PLANS OF VIRGINIA | $155K | $455 | $156K | 3.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC. | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | $0 | $11K | 2.71% |
| JAMES D EDMONDS3 | 788 BLACK SWEEP RD WARRENTON, VA 20186 | AFLAC | $15K | $830 | $16K | 8.28% |
| AREMFIELD HARRISON & THOMAS, INC.3 | 20 S KING ST STE 300 LEESBURG, VA 20175 | AFLAC | $9K | $0 | $9K | 4.71% |
| ROY GRESHAM3 Filed as: ROY L. GRESHAM | 8698 YOUNG COURT SPRINGFIELD, VA 22153 | AFLAC | $2K | $34 | $2K | 0.94% |
| DANIEL J LONG3 Filed as: DANIEL J. LONG | 48 EISENTOWN DR LOVETTSVILLE, VA 20180 | AFLAC | $2K | $6 | $2K | 0.92% |
| GARY W GREENE3 | 1609 W ARLINTON BLVD STE 102 GREENVILLE, NC 27858 | AFLAC | $1K | $171 | $1K | 0.66% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $835 | $177 | $1K | 0.54% |
| SHEILA L RAITCH3 | 5524 LIBER COURT GAINESVILLE, VA 20155 | AFLAC | $687 | $89 | $776 | 0.41% |
| RYAN DREBING3 Filed as: RYAN A DREBING | 525 W OAKLAND AVE STE 7 JOHNSON CITY, TN 37604 | AFLAC | $611 | $0 | $611 | 0.33% |
| DIANE M EDMONDS3 | 788 BLACK SWEEP RD WARRENTON, VA 20186 | AFLAC | $450 | $0 | $450 | 0.24% |
| GERALD MEGGETT3 | 12020 SWALLOW FALLS CT SILVER SPRING, MD 20904 | AFLAC | $344 | $0 | $344 | 0.18% |
| LEANN POTTER3 | 445 CANYON DR MESQUITE, NV 89027 | AFLAC | $312 | $0 | $312 | 0.17% |
| ROBERT A ANDERSON3 Filed as: ROBERT A. ANDERSON | 13710 GENERAL GEARY CT FREDERICKSBURG, VA 22407 | AFLAC | $234 | $0 | $234 | 0.12% |
| NEIL M MORGAN JR3 | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $169 | $0 | $169 | 0.09% |
| STEPHEN BEAMAN3 | 1401 KIMBERLY RD NEW BERN, NC 28562 | AFLAC | $137 | $0 | $137 | 0.07% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVE BETHESDA, MD 20814 | AFLAC | $133 | $0 | $133 | 0.07% |
| JASON VAN LE3 | 43388 NOTTINGHAM SQ ASHBURN, VA 20147 | AFLAC | $114 | $0 | $114 | 0.06% |
| MICHAEL FATHERREE3 | 11876 MOORHEN CIR FORT WORTH, TX 76244 | AFLAC | $108 | $0 | $108 | 0.06% |
| ERIC BERNARD MCGLINLEY3 Filed as: ERIC BERNARD MCGINLEY | 12110 SUNSET HILLS RD STE 340 RESTON, VA 20190 | AFLAC | $105 | $0 | $105 | 0.06% |
| KENNETH LLOYD DOTSON3 | 119 EGAN AVE DAYTON, NV 89403 | AFLAC | $93 | $0 | $93 | 0.05% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES R HILL | 9701 GAYTON RD STE 6 RICHMOND, VA 23238 | AFLAC | $87 | $0 | $87 | 0.05% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE CT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $85 | $0 | $85 | 0.05% |
| SANDY J RYAN3 | P.O. BOX 67 LOVETTSVILLE, VA 20180 | AFLAC | $77 | $0 | $77 | 0.04% |
| TERRY A DIGENNARO3 | 5907 SARGENT RD HYATTSVILLE, MD 20782 | AFLAC | $71 | $0 | $71 | 0.04% |
| THE INSURANCE EXCHANGE INC3 Filed as: THE INSURANCE EXCHANGE, INC. | 9713 KEY WEST AVENUE STE 401 ROCKVILLE, MD 20850 | AFLAC | $69 | $0 | $69 | 0.04% |
| DENISE F BEAMAN3 Filed as: DENISE F. BEAMAN | 2 EDITH DRIVE JACKSONVILLE, NC 28540 | AFLAC | $61 | $0 | $61 | 0.03% |
| ROBERT CAVALERI3 Filed as: ROBERT VINCENT CAVALERI | 11350 MOORE DR MANASSAS, VA 20111 | AFLAC | $53 | $0 | $53 | 0.03% |
| DAVID B. KITCHEN3 | 1260 N DUTTON AVE STE 180 SANTA ROSA, CA 95401 | AFLAC | $52 | $0 | $52 | 0.03% |
| SHELLY T PROUT3 Filed as: SHELLY T. PROUT | 9701 APOLLO DR STE 410 LARGO, MD 20774 | AFLAC | $30 | $0 | $30 | 0.02% |
| BARRY A WHITE3 | 4506 BANTAM WAY ELK GROVE, CA 95758 | AFLAC | $27 | $0 | $27 | 0.01% |
| JAMES A TAFT JR3 | 179 HOLSTEIN LN TOMS BROOK, VA 22660 | AFLAC | $24 | $0 | $24 | 0.01% |
| NAZARATE A GOLA3 | 304 DELLFIELD WAY COLUMBUS, OH 43230 | AFLAC | $24 | $0 | $24 | 0.01% |
| RUEANN M EMERSON3 | 4820 LAKE BROOK DR STE 125 GLEN ALLEN, VA 23060 | AFLAC | $20 | $0 | $20 | 0.01% |
| MATT S BUCHANAN3 | 1633 YORK MILLS LANE RESTON, VA 20194 | AFLAC | $17 | $0 | $17 | 0.01% |
| DANIEL M SMITH3 | 12820 WEST CREEK PARKWAY STE K RICHMOND, VA 23238 | AFLAC | $15 | $0 | $15 | 0.01% |
| ROSEMARIE SWAIM3 | 1051 ADELL CIRCLE WEATHERFORD, TX 76088 | AFLAC | $13 | $0 | $13 | 0.01% |
| DEBORAH LEE SMITH3 | 2236 LOCH LOMOND DR VIENNA, VA 22181 | AFLAC | $11 | $0 | $11 | 0.01% |
| STEPHANIE H. DREBING3 | 67 CATERS VIEW WAY TELFORD, TN 37690 | AFLAC | $10 | $0 | $10 | 0.01% |
| EDWIN VEGA3 | 134 PINECONE AVE ODENTON, MD 21113 | AFLAC | $10 | $0 | $10 | 0.01% |
| BONNIE L TAFT3 | 179 HOLSTEIN LANE TOMS BROOK, VA 22660 | AFLAC | $10 | $0 | $10 | 0.01% |
| LES HEINSEN INS SERVICES INC3 Filed as: LES HEINSEN INS SERVICES, INC. | 193 BLUE RAVINE RD STE 140 FOLSOM, CA 95630 | AFLAC | $9 | $0 | $9 | 0.00% |
| LONA BISHOP3 Filed as: LONA J BISHOP | P.O. BOX 645 LURAY, VA 22835 | AFLAC | $9 | $0 | $9 | 0.00% |
| IRUM LE3 | 43388 NOTTINGHAM SQ ASHBURN, VA 20147 | AFLAC | $8 | $0 | $8 | 0.00% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT INSURANCE SERVICES LLC | 26 N KING STREET LEESBURG, VA 20176 | AFLAC | $7 | $0 | $7 | 0.00% |
| MICHELE T PAYNE3 | 18026 TAYLORS CREEK RD MONTPELIER, VA 23192 | AFLAC | $7 | $0 | $7 | 0.00% |
| SHEM J BOSTICK3 Filed as: SHEM J. BOSTICK | 1325 MOUNT HERMON RD STE 13B SALISBURY, MD 21804 | AFLAC | $7 | $0 | $7 | 0.00% |
| YVONNE CRISPINO KLINGER3 | 152 ROLINS AVE STE 210 ROCKVILLE, MD 20852 | AFLAC | $5 | $0 | $5 | 0.00% |
| TODD SYKES3 | 1274 SILKY WILLOW DR WAKE FOREST, NC 27587 | AFLAC | $4 | $0 | $4 | 0.00% |
| JOHN FRAZIER3 | 8136 MERCY AVE SPRINGFIELD, VA 22152 | AFLAC | $4 | $0 | $4 | 0.00% |
| THOMAS E HATCHER JR3 | 717 GREEN VALLEY RED STE 200 GREENSBORO, NC 27408 | AFLAC | $4 | $0 | $4 | 0.00% |
| DALE D MEGGETT3 | 12020 SWALLOW FALLS COURT SILVER SPRING, MD 20904 | AFLAC | $2 | $0 | $2 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC. | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $962 | $10K | 8.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC. | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $928 | $8K | 8.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $514 | $9K | 15.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | FIDELITY SECURITY LIFE INSURANCE | $3K | $0 | $3K | 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 | 809 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 809 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA | 553 | $4.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 569 | $392K |
| Vision | FIDELITY SECURITY LIFE INSURANCE | 868 | $50K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 809 | $94K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 645 | $112K |
| Prescription drug | ANTHEM HEALTH PLANS OF VIRGINIA | 553 | $4.8M |
| Other(3 contracts, 2 carriers) | AFLAC | 809 | $338K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 868 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.