| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS CORP OF AMERICA3 Filed as: EMPLOYEE BENEFITS CORPORATION | 1410 SPRING HILL RD STE 150 MCLEAN, VA 22102 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $118K | $0 | $118K | 2.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC. | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | $0 | $13K | 2.72% |
| JAMES D EDMONDS3 Filed as: JAMES EDMONDS | 788 BLACK SWEEP RD WARRENTON, VA 20186 | AFLAC | $18K | $1K | $20K | 7.99% |
| AREMFIELD HARRISON & THOMAS, INC.3 | 20 S KING ST STE 300 LEESBURG, VA 20175 | AFLAC | $11K | $13 | $11K | 4.32% |
| DANIEL J LONG3 Filed as: DANIEL LONG | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $3K | $283 | $3K | 1.14% |
| ROY GRESHAM3 | 8698 YOUNG COURT SPRINGFIELD, VA 22153 | AFLAC | $2K | $113 | $2K | 0.90% |
| GARY GREENE3 | 1609 W ARLINTON BLVD STE 102 GREENVILLE, NC 27858 | AFLAC | $912 | $0 | $912 | 0.37% |
| DAVID MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $896 | $0 | $896 | 0.36% |
| GERALD MEGGETT3 | 12020 SWALLOW FALLS CT SILVER SRPING, MD 20904 | AFLAC | $889 | $0 | $889 | 0.36% |
| RYAN DREBING3 | 2112 N ROAN ST SUITE 702 JOHNSON CITY, TN 37601 | AFLAC | $810 | $0 | $810 | 0.33% |
| SHEILA L RAITCH3 Filed as: SHEILA RAITCH | 5524 LIBER COURT GAINESVILLE, VA 20155 | AFLAC | $536 | $183 | $719 | 0.29% |
| DIANE M EDMONDS3 Filed as: DIANE EDMONDS | 788 BLACK SWEEP RD WARRENTON, VA 20186 | AFLAC | $496 | $0 | $496 | 0.20% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVE BETHESDA, MD 20814 | AFLAC | $375 | $0 | $375 | 0.15% |
| ROBERT POTTER3 | 445 CANYON DR MESQUITE, NV 89027 | AFLAC | $296 | $0 | $296 | 0.12% |
| ROBERT A ANDERSON3 Filed as: ROBERT ANDERSON | 13710 GENERAL GEARY CT FREDERICKSBURG, VA 22407 | AFLAC | $241 | $0 | $241 | 0.10% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE CT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $238 | $0 | $238 | 0.10% |
| NEIL M MORGAN JR3 Filed as: NEIL MORGAN JR | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $184 | $0 | $184 | 0.07% |
| TERRY A DIGENNARO3 Filed as: TERRY DIGENNARO | 5907 SARGENT RD HYATTSVILLE, MD 20782 | AFLAC | $179 | $0 | $179 | 0.07% |
| STEPHEN BEAMAN3 | 3201 HUNT CLUB LN NEW BERN, NC 28562 | AFLAC | $161 | $0 | $161 | 0.07% |
| CYNTHIA MYER3 | 555 HARBOR SIDE ST WOODBRIDGE, VA 22191 | AFLAC | $133 | $0 | $133 | 0.05% |
| ROGER CURTIS POWELL3 Filed as: ROGER POWELL | 1395 FARNHAM PT APT 208 COLORADO SPRINGS, CO 80904 | AFLAC | $120 | $0 | $120 | 0.05% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1550 ALBA, TX 75410 | AFLAC | $111 | $0 | $111 | 0.04% |
| KENNETH LLOYD DOTSON3 Filed as: KENNETH DOTSON | 119 EGAN AVE DAYTON, NV 89403 | AFLAC | $109 | $0 | $109 | 0.04% |
| JASON VAN LE3 Filed as: JASON LE | 43388 NOTTINGHAM SQ ASHBURN, VA 20147 | AFLAC | $108 | $0 | $108 | 0.04% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES HILL SR | 9701 GAYTON RD STE 6 RICHMOND, VA 23238 | AFLAC | $106 | $0 | $106 | 0.04% |
| ERIC BERNARD MCGLINLEY3 Filed as: ERIC MCGINLEY | 12110 SUNSET HILLS RD STE 340 RESTON, VA 20190 | AFLAC | $104 | $0 | $104 | 0.04% |
| SANDY J RYAN3 Filed as: SANDY RYAN | P.O. BOX 87 LOVETTSVILLE, VA 20180 | AFLAC | $90 | $0 | $90 | 0.04% |
| NAZARATE A GOLA3 Filed as: NAZARATE GOLA | 304 DELLFIELD WAY COLUMBUS, OH 43230 | AFLAC | $85 | $0 | $85 | 0.03% |
| DENISE F BEAMAN3 Filed as: DENISE BEAMAN | 2 EDITH DRIVE JACKSONVILLE, NC 28540 | AFLAC | $78 | $0 | $78 | 0.03% |
| THE INSURANCE EXCHANGE INC3 Filed as: THE INSURANCE EXCHANGE, INC. | 9713 KEY WEST AVENUE STE 401 ROCKVILLE, MD 20850 | AFLAC | $77 | $0 | $77 | 0.03% |
| DUANE A ADAMS3 Filed as: DUANE ADAMS | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $50 | $20 | $70 | 0.03% |
| ROBERT CAVALERI3 | 11350 MOORE DR MANASSAS, VA 20111 | AFLAC | $62 | $0 | $62 | 0.03% |
| DAVID B. KITCHEN3 Filed as: DAVID KITCHEN | 1260 N DUTTON AVE STE 180 SANTA ROSA, CA 95401 | AFLAC | $61 | $0 | $61 | 0.02% |
| DEBORAH B SMITH3 Filed as: DEBORAH SMITH | 2236 LOCH LOMOND DR VIENNA, VA 22181 | AFLAC | $52 | $0 | $52 | 0.02% |
| AMIT JAIN3 | 7169 DEEP FALLS WAY ELKRIDGE, MD 21075 | AFLAC | $43 | $0 | $43 | 0.02% |
| SHELLY PROUT3 | 9701 APOLLO DR STE 410 LARGO, MD 20774 | AFLAC | $38 | $0 | $38 | 0.02% |
| BARRY A WHITE3 Filed as: BARRY WHITE | 4506 BANTAM WAY ELK GROVE, CA 95758 | AFLAC | $31 | $0 | $31 | 0.01% |
| JAMES A TAFT JR3 Filed as: JAMES TAFT JR | 573 CANE RUN ST HARRODSBURG, KY 40330 | AFLAC | $26 | $0 | $26 | 0.01% |
| AMELIA MORGAN3 | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $16 | $10 | $26 | 0.01% |
| EDWIN VEGA3 | 134 PINECONE AVE ODENTON, MD 21113 | AFLAC | $25 | $0 | $25 | 0.01% |
| RICHARD KRESINSKE3 | 4004 ATLANTIC AVE APT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $24 | $0 | $24 | 0.01% |
| MATT S BUCHANAN3 Filed as: MATT BUCHANAN | 1633 YORK MILLS LANE RESTON, VA 20194 | AFLAC | $21 | $0 | $21 | 0.01% |
| DANIEL M SMITH3 Filed as: DANIEL SMITH | 12820 WEST CREEK PARKWAY STE K RICHMOND, VA 23238 | AFLAC | $20 | $0 | $20 | 0.01% |
| RUSSEL TINNEY3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $7 | $10 | $17 | 0.01% |
| ROSEMARIE SWAIM3 | 155 SILVER SADDLE CIR WEATHERFORD, TX 76087 | AFLAC | $15 | $0 | $15 | 0.01% |
| JEREMY A FELDMAN3 Filed as: JEREMY FELDMAN | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $14 | $0 | $14 | 0.01% |
| STEPHANIE H. DREBING3 Filed as: STEPHANIE DREBING | 221 PERSIMMON LN JONESBOROUGH, TN 37659 | AFLAC | $11 | $0 | $11 | 0.00% |
| LES HEINSEN INS SERVICES INC3 | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $11 | $0 | $11 | 0.00% |
| NICHOLAS WAGNER3 | 4665 HAYGOOD ROAD SUITE 402 VIRGINIA BEACH, VA 23455 | AFLAC | $11 | $0 | $11 | 0.00% |
| BONNIE TAFT3 | 573 CANE STREET HARRODSBURG, KY 40330 | AFLAC | $10 | $0 | $10 | 0.00% |
| DALE D MEGGETT3 Filed as: DALE MEGGETT | 12020 SWALLOW FALLS COURT SILVER SPRING, MD 20904 | AFLAC | $10 | $0 | $10 | 0.00% |
| GREGORY HILL3 | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $10 | $0 | $10 | 0.00% |
| LONA BISHOP3 | PO BOX 645 LURAY, VA 22835 | AFLAC | $9 | $0 | $9 | 0.00% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT INSURANCE SERVICES LLC | 26 N KING STREET LEESBURG, VA 20176 | AFLAC | $9 | $0 | $9 | 0.00% |
| MICHELE T PAYNE3 Filed as: MICHELE PAYNE | 18026 TAYLORS CREEK RD MONTPELIER, VA 23192 | AFLAC | $9 | $0 | $9 | 0.00% |
| SHEM J BOSTICK3 Filed as: SHEM BOSTICK | 1325 MOUNT HERMON RD STE 13B SALISBURY, MD 21804 | AFLAC | $9 | $0 | $9 | 0.00% |
| POOJA JAIN3 | 5870 OLD SOLOMONS ISLAND RD TRACYS LANDING, MD 20779 | AFLAC | $9 | $0 | $9 | 0.00% |
| RUEANN M EMERSON3 | 11551 NUCKOLS RD STE P GLEN ALLEN, VA 23059 | AFLAC | $8 | $0 | $8 | 0.00% |
| IRUM LE3 | 43388 NOTTINGHAM SQ ASHBURN, VA 20147 | AFLAC | $8 | $0 | $8 | 0.00% |
| YVONNE CRISPINO KLINGER3 Filed as: YVONNE KLINGER | 152 ROLINS AVE STE 210 ROCKVILLE, MD 20852 | AFLAC | $6 | $0 | $6 | 0.00% |
| PAMELA BYERS3 | 10513 WINGED ELM CIR MANASSAS, VA 20110 | AFLAC | $6 | $0 | $6 | 0.00% |
| TODD SYKES3 | 1274 SILKY WILLOW DR WAKE FOREST, NC 27587 | AFLAC | $5 | $0 | $5 | 0.00% |
| JOHN FRAZIER3 | 8136 MERCY AVE SPRINGFIELD, VA 22152 | AFLAC | $5 | $0 | $5 | 0.00% |
| THOMAS E HATCHER JR3 Filed as: THOMAS HATCHER JR | 1588 BAYTREE DR HARRELLS, NC 28444 | AFLAC | $4 | $0 | $4 | 0.00% |
| JENNIFER VANROEKEL3 | 37A BERNARD RD HAMPTON, VA 23851 | AFLAC | $3 | $0 | $3 | 0.00% |
| JEFFERY S GIBSON3 Filed as: JEFFERY GIBSON | 14301 N 87TH ST STE 313 SCOTTSDALE, AZ 85260 | AFLAC | $3 | $0 | $3 | 0.00% |
| LINDSEY JO MARTIN3 Filed as: LINDSEY MARTIN | 2095 COX CV CONWAY, AR 72034 | AFLAC | $3 | $0 | $3 | 0.00% |
| DIVYA JAIN3 | 4401 FAIR LAKES CT STE 304 FAIRFAX, VA 22033 | AFLAC | $3 | $0 | $3 | 0.00% |
| TIFFANY N LEAK3 Filed as: TIFFANY LEAK | 6305 IVY LANE NUMBER 410 GREENBELT, MD 20770 | AFLAC | $3 | $0 | $3 | 0.00% |
| JEANNETTE FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $2 | $0 | $2 | 0.00% |
| NICHOLAS VIGIL3 | 120 ROCKBOLT CIR FOLSOM, CA 95630 | AFLAC | $1 | $0 | $1 | 0.00% |
| MARK D LUTHER3 Filed as: MARK LUTHER | 804 MOOREFIELD PARK DR STE 205 NORTH CHESTERFIELD, VA 23236 | AFLAC | $1 | $0 | $1 | 0.00% |
| KELLY LYNN FELDMAN3 Filed as: KELLY FELDMAN | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $1 | $0 | $1 | 0.00% |
| DAVID WAGENHEIM3 | 582 WOODBINE AVE TOWSON, MD 21204 | AFLAC | $1 | $0 | $1 | 0.00% |
| MICHAEL BENDER3 | 7803 ORCHARD GATE CT BETHESDA, MD 20817 | AFLAC | $1 | $0 | $1 | 0.00% |
| JESSICA L PORTER3 Filed as: JESSICA PORTER | PO BOX 527 WILLIAMSPORT, MD 21795 | AFLAC | $1 | $0 | $1 | 0.00% |
| ARON D TERAN3 Filed as: ARON TERAN | 3684 HOLBORN PL FREDERICK, MD 21704 | AFLAC | $1 | $0 | $1 | 0.00% |
| DAVID NERENBERG3 | 61 CALABASH CT ROCKVILLE, MD 20850 | AFLAC | $1 | $0 | $1 | 0.00% |
| TMG INSURANCE SERVICES INC3 | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $0 | $13K | 17.00% |
| TMG INSURANCE SERVICES INC3 | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $0 | $11K | 17.00% |
| 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 | 5.01% |
| TMG INSURANCE SERVICES INC3 | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $0 | $8K | 17.00% |
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 | 832 | 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) | 832 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 582 | $5.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 613 | $476K |
| Vision | FIDELITY SECURITY LIFE INSURANCE | 973 | $53K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 832 | $110K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 635 | $76K |
| Other(2 contracts, 2 carriers) | AFLAC | 832 | $312K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 973 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.