| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS CORP OF AMERICA3 Filed as: EMPLOYEE BENEFITS CORPORATION | 1410 SPRING HILL RD SUITE 150 MCLEAN, VA 22102 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $182K | $0 | $182K | 2.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC. | 6500 ROCK SPRING DR SUITE 500 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | $0 | $12K | 2.72% |
| JACK EDMONDS3 | 788 BLACK SWEEP RD WARRENTON, VA 20186 | AFLAC | $14K | $732 | $15K | 6.90% |
| AREMFIELD HARRISON & THOMAS, INC.3 | 20 S KING ST STE 300 LEESBURG, VA 20175 | AFLAC | $10K | $0 | $10K | 4.45% |
| ROGER CURTIS POWELL3 | 1395 FARNHAM POINT APARTMENT 208 COLORADO SPRINGS, CO 80904 | AFLAC | $3K | $0 | $3K | 1.18% |
| CYNTHIA MYER3 | 2333 COUNTY ROAD 250 DURANGO, CO 81301 | AFLAC | $2K | $10 | $2K | 0.76% |
| ROY GRESHAM3 | 8698 YOUNG COURT SPRINGFIELD, VA 22153 | AFLAC | $1K | $89 | $1K | 0.66% |
| GERALD MEGGETT3 | 12020 SWALLOW FALLS CT SILVER SRPING, MD 20904 | AFLAC | $939 | $0 | $939 | 0.43% |
| DANIEL J LONG3 Filed as: DANIEL LONG | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $684 | $129 | $813 | 0.38% |
| GARY GREENE3 | 1609 W ARLINTON BLVD STE 102 GREENVILLE, NC 27858 | AFLAC | $692 | $0 | $692 | 0.32% |
| DAVID MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $530 | $0 | $530 | 0.25% |
| RYAN DREBING3 Filed as: RYAN A DREBING | 2112 N ROAN STREET SUITE 702 JOHNSON CITY, TN 37601 | AFLAC | $435 | $0 | $435 | 0.20% |
| DIANE M EDMONDS3 | 788 BLACK SWEEP RD WARRENTON, VA 20186 | AFLAC | $377 | $0 | $377 | 0.17% |
| CYNTHIA MYER3 | 555 HARBOR SIDE STREET WOODBRIDGE, VI 22191 | AFLAC | $362 | $0 | $362 | 0.17% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVENUE BETHESDA, MD 20814 | AFLAC | $316 | $0 | $316 | 0.15% |
| SHEILA L RAITCH3 | 5524 LIBER COURT GAINESVILLE, VA 20155 | AFLAC | $268 | $0 | $268 | 0.12% |
| ROGER CURTIS POWELL3 | 3204 N ACADEMY BLVD SUITE 130 COLORADO SPRINGS, CO 80917 | AFLAC | $264 | $0 | $264 | 0.12% |
| LEANN POTTER3 | 445 CANYON DRIVE MESQUITE, NV 89027 | AFLAC | $200 | $0 | $200 | 0.09% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $196 | $0 | $196 | 0.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | AFLAC | $187 | $0 | $187 | 0.09% |
| TERRY A DIGENNARO3 | 5907 SARGENT ROAD HYATTSVILLE, MD 20782 | AFLAC | $153 | $0 | $153 | 0.07% |
| DUANE A ADAMS3 | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | AFLAC | $153 | $0 | $153 | 0.07% |
| NEIL M MORGAN JR3 | 1904 ELLIS DRIVE MAIDENS, VA 23102 | AFLAC | $151 | $0 | $151 | 0.07% |
| ROBERT A ANDERSON3 | GENERAL GEARY COURT FREDERICKSBURG, VA 22407 | AFLAC | $136 | $0 | $136 | 0.06% |
| LATANYA L BROOKS3 | 10514 LIMBURG COURT FREDERICKSBURG, VA 22408 | AFLAC | $132 | $0 | $132 | 0.06% |
| AMIT JAIN3 | 7169 DEEP FALLS WAY ELKRIDGE, MD 21075 | AFLAC | $115 | $0 | $115 | 0.05% |
| KENNETH LLOYD DOTSON3 | 119 EGAN AVENUE DAYTON, NV 89403 | AFLAC | $93 | $0 | $93 | 0.04% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $80 | $0 | $80 | 0.04% |
| JASON VAN LE3 | 43388 NOTTINGHAM SQ ASHBURN, VA 20147 | AFLAC | $77 | $0 | $77 | 0.04% |
| SANDY J RYAN3 | PO BOX 67 LOVETTSVILLE, VA 20180 | AFLAC | $77 | $0 | $77 | 0.04% |
| RICHARD J KRESINSKE3 | 4004 ATLANTIC AVENUE APARTMENT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $75 | $0 | $75 | 0.03% |
| THE INSURANCE EXCHANGE INC3 | 9713 KEY WEST AVENUE SUITE 401 ROCKVILLE, ME 20850 | AFLAC | $73 | $0 | $73 | 0.03% |
| NAZARATE A GOLA3 | 5258 HERON CREEK BLVD COLUMBUS, OH 43213 | AFLAC | $73 | $0 | $73 | 0.03% |
| STEPHEN BEAMAN3 | 1401 KIMBERLY ROAD NEW BERN, NC 28562 | AFLAC | $62 | $0 | $62 | 0.03% |
| STEPHEN BEAMAN3 | 3201 HUNT CLUB LANE NEW BERN, NC 28562 | AFLAC | $61 | $0 | $61 | 0.03% |
| ROBERT CAVALERI3 Filed as: ROBERT VINCENT CAVALERI | 11350 MOORE DRIVE MANASSAS, VA 20111 | AFLAC | $53 | $0 | $53 | 0.02% |
| DAVID B. KITCHEN3 Filed as: DAVID B KITCHEN | 1260 N DUTTON AVENUE SUITE 180 SANTA ROSA, CA 95401 | AFLAC | $52 | $0 | $52 | 0.02% |
| DENISE F BEAMAN3 | 2 EDITH DRIVE JACKSONVILLE, NC 28540 | AFLAC | $50 | $0 | $50 | 0.02% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 1904 ELLIS DRIVE MAIDENS, VA 23102 | AFLAC | $48 | $0 | $48 | 0.02% |
| DEBORAH LEE SMITH3 | 2236 LOCH LOMOND DRIVE VIENNA, VA 22181 | AFLAC | $44 | $0 | $44 | 0.02% |
| JEREMY A FELDMAN3 | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $42 | $0 | $42 | 0.02% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES R HILL | 9701 GAYTON ROAD SUITE 6 RICHMOND, VA 23238 | AFLAC | $40 | $0 | $40 | 0.02% |
| SHELLY T PROUT3 | 9701 APOLLO DRIVE SUITE 410 LARGO, MD 20774 | AFLAC | $32 | $0 | $32 | 0.01% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PLACE MIDLOTHIAN, VA 23113 | AFLAC | $30 | $0 | $30 | 0.01% |
| NICHOLAS WAGNER3 | 4665 HAGOOD ROAD SUITE 402 VIRGINIA BEACH, VA 23455 | AFLAC | $29 | $0 | $29 | 0.01% |
| BARRY A WHITE3 | 4506 BANTAM WAY ELK GROVE, CA 95758 | AFLAC | $27 | $0 | $27 | 0.01% |
| JAMES A TAFT JR3 | 573 CANE RUN STREET HARRODSBURG, KY 40330 | AFLAC | $26 | $0 | $26 | 0.01% |
| JASON ALLAN BARE3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $25 | $0 | $25 | 0.01% |
| POOJA JAIN3 | 3180 YEAGER DRIVE HERNDON, VA 20171 | AFLAC | $25 | $0 | $25 | 0.01% |
| EDWIN VEGA3 | 134 PINECONE AVENUE ODENTON, MD 21113 | AFLAC | $22 | $0 | $22 | 0.01% |
| RUSSELL TINNEY3 | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | AFLAC | $19 | $0 | $19 | 0.01% |
| ERIC BERNARD MCGLINLEY3 | 12110 SUNSET HILLS ROAD SUITE 340 RESTON, VA 20190 | AFLAC | $18 | $0 | $18 | 0.01% |
| MATT S BUCHANAN3 | 1633 YORK MILLS LANE RESTON, VA 20194 | AFLAC | $18 | $0 | $18 | 0.01% |
| MICHAEL C WALKER3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $17 | $0 | $17 | 0.01% |
| DANIEL M SMITH3 | 12820 WEST CREEK PARKWAY SUITE K RICHMOND, VA 23238 | AFLAC | $17 | $0 | $17 | 0.01% |
| DIVYA JAIN3 | 4401 FAIR LAKES COURT SUITE 304 FAIRFAX, VA 22033 | AFLAC | $17 | $0 | $17 | 0.01% |
| TIFFANY N LEAK3 | 6305 IVY LANE NUMBER 410 GREENBELT, MD 20770 | AFLAC | $16 | $0 | $16 | 0.01% |
| ROSEMARIE SWAIM3 | 155 SILVER SADDLE CIRCLE WEATHERFORD, TX 76087 | AFLAC | $14 | $0 | $14 | 0.01% |
| BONNIE L TAFT3 | 573 CANE RUN STREET HARRODSBURG, KY 40330 | AFLAC | $10 | $0 | $10 | 0.00% |
| LONA BISHOP3 Filed as: LONA L BISHOP | PO BOX 645 LURAY, VA 22835 | AFLAC | $9 | $0 | $9 | 0.00% |
| LES HEINSEN INS SERVICES INC3 Filed as: LES HEINSEN INSURANCE SERVICES INC | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $9 | $0 | $9 | 0.00% |
| POOJA JAIN3 | 5870 OLD SOLOMONS ISLAND ROAD TRACYS LANDING, MD 20779 | AFLAC | $9 | $0 | $9 | 0.00% |
| IRUM LE3 | 43388 NOTTINGHAM SQUARE ASHBURN, VA 20147 | AFLAC | $8 | $0 | $8 | 0.00% |
| DALE D MEGGETT3 | 12020 SWALLOW FALLS COURT SILVER SPRING, MD 20904 | 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 | $8 | $0 | $8 | 0.00% |
| MICHELE T PAYNE3 | 18026 TAYLORS CREEK ROAD MONTPELIER, VA 23192 | AFLAC | $8 | $0 | $8 | 0.00% |
| LINDSEY JO MARTIN3 | 1450 M ULMER STREET GREENWOOD, AR 72936 | AFLAC | $7 | $0 | $7 | 0.00% |
| RUEANN M EMERSON3 | 11551 NUCKOLS ROAD SUITE P GLEN ALLEN, VA 23059 | AFLAC | $7 | $0 | $7 | 0.00% |
| JEFFERY S GIBSON3 Filed as: JEFFERY SCOTT GIBSON | 4805 LAKE BROOK DRIVE SUITE 220 GLEN ALLEN, VA 23060 | AFLAC | $7 | $0 | $7 | 0.00% |
| JEANNETTE E FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $6 | $0 | $6 | 0.00% |
| YVONNE CRISPINO KLINGER3 | 152 ROLLINS AVENUE SUITE 210 ROCKVILLE, MD 20852 | AFLAC | $5 | $0 | $5 | 0.00% |
| JOHN FRAZIER3 | 8136 MARCY AVENUE SPRINGFIELD, VA 22152 | AFLAC | $5 | $0 | $5 | 0.00% |
| TODD SYKES3 | 1274 SILKY WILLOW DRIVE WAKE FOREST, NC 27587 | AFLAC | $5 | $0 | $5 | 0.00% |
| STEPHANIE H. DREBING3 Filed as: STEPHANIE H DREBING | 221 PERSIMMON LANE JONESBOROUGH, TN 37659 | AFLAC | $4 | $0 | $4 | 0.00% |
| THOMAS E HATCHER JR3 | 1588 BAYTREE DRIVE HARRELLS, NC 28444 | AFLAC | $4 | $0 | $4 | 0.00% |
| SHEM J BOSTICK3 | 1325 MOUNT HERMON ROAD SUITE 13B SALISBURY, MD 21804 | AFLAC | $4 | $0 | $4 | 0.00% |
| SHEM J BOSTICK3 | 1620 S DITMAR STREET OCEANSIDE, CA 92054 | AFLAC | $4 | $0 | $4 | 0.00% |
| NICHOLAS E VIGIL3 | 120 ROCKBOLT CIRCLE FOLSOM, CA 95630 | AFLAC | $3 | $0 | $3 | 0.00% |
| LINDSEY JO MARTIN3 | 2095 COX CV CONWAY, MD 21797 | AFLAC | $3 | $0 | $3 | 0.00% |
| KELLY LYNN FELDMAN3 | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $2 | $0 | $2 | 0.00% |
| MARK D LUTHER3 | 804 MOOREFIELD PARK DRIVE SUITE 205 NORTH CHESTERFIELD, VA 23236 | AFLAC | $2 | $0 | $2 | 0.00% |
| DAVID J MCCLELLAN3 Filed as: DAVID J WAGENHEIM | 582 WOODBINE AVENUE TOWSON, MD 21204 | AFLAC | $2 | $0 | $2 | 0.00% |
| ARON D TERAN3 | 3684 HOLBORN PLACE FREDERICK, MD 21704 | AFLAC | $2 | $0 | $2 | 0.00% |
| CHRISTOPHER PARSONS3 | 193 BEACH ROAD POQUOSON, VA 23662 | AFLAC | $2 | $0 | $2 | 0.00% |
| DAVID NERENBERG3 | 61 CALABASH COURT ROCKVILLE, MD 20850 | AFLAC | $2 | $0 | $2 | 0.00% |
| JESSICA L PORTER3 | PO BOX 527 WILLIAMSPORT, MD 21795 | AFLAC | $2 | $0 | $2 | 0.00% |
| MICHAEL BENDER3 | 1803 RESEARCH BLVD SUITE 400 ROCKVILLE, MD 20850 | AFLAC | $2 | $0 | $2 | 0.00% |
| ROY D MUNSTER3 | PO BOX 5634 GLEN ALLEN, VA 23058 | AFLAC | $1 | $0 | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | $0 | $17K | 17.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 1250 S CAPITAL OF TX HWY S BUILDING 2, SUITE 125 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | $0 | $14K | 17.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BUILDING 2, SUITE 125 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $884 | $884 | 1.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $0 | $9K | 17.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 1250 CAPITAL OF TX HWY S BUILDING 2, SUITE 125 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $608 | $608 | 1.10% |
| 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% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $601 | $0 | $601 | 16.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 1250 S CAPITAL OF TX HWY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $41 | $41 | 1.16% |
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 | 899 | 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) | 899 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 1,165 | $7.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 629 | $434K |
| Vision | FIDELITY SECURITY LIFE INSURANCE | 1,011 | $55K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 899 | $138K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 692 | $98K |
| Other(3 contracts, 2 carriers) | AFLAC | 899 | $302K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,165 | — |
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.