| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2108 WEST LABURNAM AVE STE 310 RICHMOND, VA 23227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 2108 WEST LABURNAM AVE STE 310 RICHMOND, VA 24028 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 4.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 2108 WEST LABURNAM AVE STE 310 RICHMOND, VA 23227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 6.50% |
| MCGRIFF INSURANCE SERVICES INC3 | 2108 WEST LABURNAM AVE STE 310 ROANOKE, VA 24028 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 5.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 2108 WEST LABURNAM AVE STE 310 RICHMOND, VA 23227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 2108 WEST LABURNAM AVE STE 310 RICHMOND, VA 23227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 4.87% |
| MARSH & MCLENNAN AGENCY LLC3 | 2108 WEST LABURNAM AVE STE 310 RICHMOND, VA 23227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 2108 WEST LABURNAM AVE STE 310 RICHMOND, VA 23227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 4.90% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 2200 OLD BRICK RD SUITE A GLEN ALLEN, VA 23060 | EYEMED | $5K | — | $5K | 9.91% |
| AIMEE STATON HARDY3 | 120 HUNTINGTON HILLS LN FREDERICKSBURG, VA 22401 | AFLAC | $3K | — | $3K | 12.50% |
| TAMMY MARIE MINOR3 | PO BOX 369 LADYSMITH, VA 22501 | AFLAC | $266 | — | $266 | 1.11% |
| ELIZABETH HUNT3 | 13211 MOUNTAIN ASH CT WOODBRIDGE, VA 22192 | AFLAC | $207 | — | $207 | 0.87% |
| JOSHUA C BURTON3 | 4198 COX RD STE 113 GLEN ALLEN, VA 23060 | AFLAC | $205 | — | $205 | 0.86% |
| CHRISTOPHER S LEITCH3 | 9024 HIDDEN NEST DR MIDLOTHIAN, VA 23112 | AFLAC | $165 | — | $165 | 0.69% |
| BOBBI MICHELLE BIRD3 | 727 BELLOWS AVE FREDERICKSBURG, VA 22405 | AFLAC | $157 | — | $157 | 0.66% |
| GREGORY D HILL3 Filed as: GREGORY DALE HILL | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $145 | — | $145 | 0.61% |
| MICHELE T PAYNE3 | 555 BELSCHES RD BUMPASS, VA 23024 | AFLAC | $70 | — | $70 | 0.29% |
| JAMES RAY HILL3 | PO BOX 13272 GREENSBORO, NC 27415 | AFLAC | $37 | — | $37 | 0.15% |
| JANELL R FRANK3 | 2005 WAVE DR STAFFORD, VA 22554 | AFLAC | $36 | — | $36 | 0.15% |
| DENISE F BEAMAN3 | 2 EDITH DR JACKSONVILLE, NC 28540 | AFLAC | $33 | — | $33 | 0.14% |
| JEFFERY SCOTT GIBSON3 | 4030 TATES CREEK RD APT 1004 CONSHOHOCKEN, PA 40517 | AFLAC | $24 | — | $24 | 0.10% |
| WILLIAM J MCAVINNEY II3 | 4520 PLANK RD STE 104 FREDERICKSBURG, VA 22407 | AFLAC | $23 | — | $23 | 0.10% |
| LEWIS GALE3 | 276 W MILLBROOK RD RALEIGH, NC 27609 | AFLAC | $18 | — | $18 | 0.08% |
| PETER JAMES SARANTIS3 | 6185 ELEMENT LN ROSEVILLE, CA 95747 | AFLAC | $18 | — | $18 | 0.08% |
| ROGER CURTIS POWELL3 | 550 LIBERTY ST APT 501 BRAINTREE, MA 02184 | AFLAC | $15 | — | $15 | 0.06% |
| DANIEL J LONG3 | 2345 YORK RD STE 101 TIMONIUM, MD 21093 | AFLAC | $13 | — | $13 | 0.05% |
| GARY W GREENE3 | 1609 W ARLINGTON BLVD STE 102 GREENVILLE, NC 27834 | AFLAC | $11 | — | $11 | 0.05% |
| KATHRYN ANDERSON3 Filed as: KATHRYN A ANDERSON | 4336 E MORNING VISTA LN CAVE CREEK, AZ 85331 | AFLAC | $11 | — | $11 | 0.05% |
| ROBERT A ANDERSON3 | 13710 GENERAL GEARY CT FREDERICKSBURG, VA 22407 | AFLAC | $10 | — | $10 | 0.04% |
| KELLY J DECKER3 | 2045 FIVE FORKS RD PENDLETON, SC 29670 | AFLAC | $9 | — | $9 | 0.04% |
| DAVID N MORGAN3 | 240 BEVERLY HILLS CIR APT 532 LYNCHBURG, VA 24502 | AFLAC | $8 | — | $8 | 0.03% |
| CYNTHIA MYER3 | 2211 W GRAY STREET WINDSOR, NC 27983 | AFLAC | $7 | — | $7 | 0.03% |
| DUANE A ADAMS3 Filed as: DUANE ALLEN ADAMS | 493 BAILEY DR LOUISA, VA 23093 | AFLAC | $3 | — | $3 | 0.01% |
| MICHAEL FATHERREE3 Filed as: MICHAEL J FATHERREE | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $3 | — | $3 | 0.01% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 240 BEVERLY HILLS CIR APT 532 LYNCHBURG, VA 24502 | AFLAC | $2 | — | $2 | 0.01% |
| SHEILA L RAITCH3 | 5524 LIBER CT GAINESVILLE, VA 20155 | AFLAC | $1 | — | $1 | 0.00% |
| RUSSELL W TINNEY3 | 3440 TORRINGTON WAY APT 7 FAYETTEVILLE, NC 28314 | AFLAC | $1 | — | $1 | 0.00% |
| JEANNETTE E FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $1 | — | $1 | 0.00% |
| NICHOLAS WAGNER3 | 6000 FAIRVIEW RD STE 470 CHARLOTTE, NC 28210 | AFLAC | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | 7701 AIRPORT CENTER DRIVE GREENSBORO, NC 27409 | LEGAL RESOURCES | $657 | — | $657 | 6.29% |
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 | 312 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED | 827 | $55K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 440 | $176K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 440 | $115K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 440 | $97K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 440 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 827 | — |
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.