| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LINDA E BARTON3 | 8322 BEN NEVIS DRIVE NORTH CHESTERFIELD, VA 23235 | AFLAC | $9K | $670 | $10K | 4.59% |
| LINDA E BARTON3 | 8322 BEN NEVIS DRIVE RICHMOND, VA 23235 | AFLAC | $5K | — | $5K | 2.07% |
| CHRISTOPHER D LACKS3 | 2940 MILITARY ROAD AMELIA COURT HOUSE, VA 23002 | AFLAC | $1K | — | $1K | 0.50% |
| JOSHUA C BURTON3 | 4198 COX ROAD SUITE 113 GLEN ALLEN, VA 23060 | AFLAC | $825 | $107 | $932 | 0.42% |
| ROBERT A ROBERTSON3 | 511 WOODBINE LANE BRISTOL, TN 37620 | AFLAC | $913 | — | $913 | 0.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CHARLES A BROWN | 8083 BISBROOKE COURT MECHANICSVILLE, VA 23116 | AFLAC | $727 | $107 | $834 | 0.38% |
| JESSICA M GAINES3 | 10809 KING WILLIAM ROAD APARTMENT 4A AYLETT, VA 23009 | AFLAC | $706 | — | $706 | 0.32% |
| JULIE THOMPSON PRIOR3 Filed as: JULIE THOMPSON MANNING | 3460 BROOKLAND MANOR DRIVE POWHATAN, VA 23139 | AFLAC | $678 | — | $678 | 0.31% |
| PHYLLIS DAWN HESLEP3 | 3709 SOUTH LYNWOOD AVENUE TAMPA, FL 33611 | AFLAC | $583 | — | $583 | 0.26% |
| ELIZABETH ANNE BUCHANAN3 | 3401 HUNTON RIDGE DRIVE GLEN ALLEN, VA 23059 | AFLAC | $562 | — | $562 | 0.26% |
| RUEANN M EMERSON3 | 1017 ASHES DRIVE SUITE 106 WILMINGTON, NC 28405 | AFLAC | $511 | — | $511 | 0.23% |
| KATHRYN P GILES3 | 1307 WOODLAND PLACE HIGH POINT, NC 27262 | AFLAC | $471 | — | $471 | 0.21% |
| SALLY BASS PHILLIPS3 | PO BOX 1618 MECHANICSVILLE, VA 23116 | AFLAC | $412 | — | $412 | 0.19% |
| SHANE ANDY KINNER3 | 10129 ASHLEY MANOR LANE MECHANICSVILLE, VA 23116 | AFLAC | $397 | — | $397 | 0.18% |
| RONALD WAYNE WILKINS3 | 1154 PUMPKIN HILL ROAD HEATHSVILLE, VA 22473 | AFLAC | $394 | — | $394 | 0.18% |
| JOHNNA STEWART3 | 3401 BAYMEADOWS WAY APARTMENT 318 HENRICO, VA 23233 | AFLAC | $370 | — | $370 | 0.17% |
| BRENDA M MALANEY GORE3 Filed as: BRENDA M MALENEY GORE | 319 WILDBERRY LANE DURHAM, NC 27705 | AFLAC | $340 | — | $340 | 0.15% |
| DAVID N MORGAN3 | 240 BEVERLY HILLS CIRCLE APARTMENT 532 LYNCHBURG, VA 24502 | AFLAC | $282 | — | $282 | 0.13% |
| LAURA T DRAY3 | 1868 RUNNYMEDE ROAD WINSTON SALEM, NC 27104 | AFLAC | $208 | — | $208 | 0.09% |
| THOMAS E HATCHER JR3 | 1588 BAY TREE DRIVE HARRELLS, NC 28444 | AFLAC | $178 | — | $178 | 0.08% |
| PATRICIA M VANDERGAST3 | 8726 HORNWOOD COURT CHARLOTTE, NC 28215 | AFLAC | $172 | — | $172 | 0.08% |
| JANICE ALLEN TURNER3 | 429 MAPLE TOP LANE BUCKINGHAM, VA 23921 | AFLAC | $164 | — | $164 | 0.07% |
| KRISTINA ANDREWS3 | 712 SUNSET DRIVE HIGH POINT, NC 27262 | AFLAC | $154 | — | $154 | 0.07% |
| KATHRYN G KEMPTON3 | 837 RIFES FORD ROAD VERONA, VA 24482 | AFLAC | $149 | — | $149 | 0.07% |
| TIMOTHY CAVAZOS3 | 3107 EAST BROAD STREET RICHMOND, VA 23223 | AFLAC | $144 | — | $144 | 0.07% |
| SCOTT DAVIS3 Filed as: SCOTT K DAVIS | 2608 ADAMO COURT RICHMOND, VA 23233 | AFLAC | $138 | — | $138 | 0.06% |
| ROY D MUNSTER3 | 8332 CHARING LANE GLEN ALLEN, VA 23059 | AFLAC | $118 | — | $118 | 0.05% |
| JOE MEEKS3 | 14460 FALLS OF NEUSE ROAD SUITE 149/109 RALEIGH, NC 27614 | AFLAC | $105 | — | $105 | 0.05% |
| J MICHAEL BUTLER3 | 1090 13TH AVENUE NORTHWEST HICKORY, NC 28601 | AFLAC | $90 | — | $90 | 0.04% |
| HAROLD L STAFFORD3 | 4930 VILLAGE GREEN DRIVE EL DORADO HILLS, CA 95762 | AFLAC | $88 | — | $88 | 0.04% |
| DUANE A ADAMS3 | 493 BAILEY DRIVE LOUISA, VA 23093 | AFLAC | $84 | — | $84 | 0.04% |
| BENJAMIN O THOMPSON SR3 | 2012 GAMELAW COURT MIDLOTHIAN, VA 23113 | AFLAC | $84 | — | $84 | 0.04% |
| JOHN R WEVER3 | 1513 WEST BEVERLEY STREET STAUNTON, VA 24401 | AFLAC | $76 | — | $76 | 0.03% |
| MICHAEL R HURD3 | 10103 RIVERNDELL LANE CHARLOTTE, NC 28269 | AFLAC | $73 | — | $73 | 0.03% |
| STEPHEN W CROTTS SR3 | 1022 CLIFTWOOD DRIVE SILER CITY, NC 27344 | AFLAC | $68 | — | $68 | 0.03% |
| REBECCA F SMITH3 | 4130 INNSLAKE DRIVE GLEN ALLEN, VA 23060 | AFLAC | $64 | — | $64 | 0.03% |
| JEREMY M HASKELL3 | 109 DEMOTTE AVENUE PORT ORANGE, FL 32127 | AFLAC | $63 | — | $63 | 0.03% |
| IAN B BRANYON3 | 8300 HARRIS CORNERS PARKWAY SUITE 100 CHARLOTTE, NC 28269 | AFLAC | $63 | — | $63 | 0.03% |
| BOYD GLOVER JR3 Filed as: BOYD M GLOVER JR | 69 MOORCLIFFE LANE VERONA, VA 24482 | AFLAC | $62 | — | $62 | 0.03% |
| JOHN G VANDER GAST3 | 8726 HORNWOOD COURT CHARLOTTE, NC 28215 | AFLAC | $62 | — | $62 | 0.03% |
| TELLIE ANN TURNER SAUNDERS3 | 427 MAPLE TOP LANE BUCKINGHAM, VA 23921 | AFLAC | $62 | — | $62 | 0.03% |
| RICHARD L TUSING3 | 30 YORK COURT STAUNTON, VA 24401 | AFLAC | $61 | — | $61 | 0.03% |
| MELANIE B MUNSTER3 | 8332 CHARING LANE GLEN ALLEN, VA 23059 | AFLAC | $56 | — | $56 | 0.03% |
| CHRISTOPHER PARSONS3 | 1925 CUBA LANE HAYES, VA 23072 | AFLAC | $54 | — | $54 | 0.02% |
| ROY S TURNER3 | 429 MAPLE TOP LANE BUCKINGHAM, VA 23921 | AFLAC | $53 | — | $53 | 0.02% |
| MARGARET P WEEKLEY3 | 1114 GABLES DRIVE APARTMENT 105 FOREST, VA 24551 | AFLAC | $46 | — | $46 | 0.02% |
| WILLIAM P FLEMING3 | 184 MEADOWVIEW ROAD LEXINGTON, NC 27295 | AFLAC | $44 | — | $44 | 0.02% |
| GEORGE O GREENE3 | 10941 GRANADA ROAD RICHMOND, VA 23235 | AFLAC | $43 | — | $43 | 0.02% |
| RICHARD JONES3 Filed as: RICHARD J JONES | 12826 ENGLISH WALNUT LANE CHARLOTTE, NC 28215 | AFLAC | $42 | — | $42 | 0.02% |
| DANIEL M SMITH3 | 12820 WEST CREEK PARKWAY SUITE K RICHMOND, VA 23238 | AFLAC | $38 | — | $38 | 0.02% |
| PEGGY MORRIS3 | 2720 WOODLORE TRAIL WINSTON SALEM, NC 27103 | AFLAC | $37 | — | $37 | 0.02% |
| LORI A WILLIAMS3 | 45 OXFORD DRIVE MARTINSVILLE, VA 24112 | AFLAC | $34 | — | $34 | 0.02% |
| KENNETH B COFER3 | 5950 SYMPHONY WOODS ROAD SUITE 214 COLUMBIA, MD 21044 | AFLAC | $33 | — | $33 | 0.01% |
| TERESA L SELLS3 | 270 LITTLE WILLSON ROAD MOUTH OF WILSON, VA 24363 | AFLAC | $31 | — | $31 | 0.01% |
| ELIZABETH MANGUM3 Filed as: ELIZABETH W MANGUM | 3919 WENTWORTH DRIVE DURHAM, NC 27707 | AFLAC | $30 | — | $30 | 0.01% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PLACE MIDLOTHIAN, VA 23113 | AFLAC | $30 | — | $30 | 0.01% |
| JACQUELINE FAY MARTIN3 | 428 DEEP RUN ROAD CARTERSVILLE, VA 23027 | AFLAC | $30 | — | $30 | 0.01% |
| KIM J WILLIAMS3 | 3010 WILLIAMS ROAD LEWISVILLE, NC 27023 | AFLAC | $30 | — | $30 | 0.01% |
| NICHOLAS WAGNER3 | 1508 BACK COVE ROAD VIRGINIA BEACH, VA 23454 | AFLAC | $30 | — | $30 | 0.01% |
| MARY LEE NICHOLS3 | 2115 ARBOR VIEW CIRCLE DIBERVILLE, MS 39540 | AFLAC | $29 | — | $29 | 0.01% |
| KELLY LEBSACK3 Filed as: KELLY D LEBSACK | 2084 COVERED BRIDGE PARKWAY WINDSOR, CO 80550 | AFLAC | $29 | — | $29 | 0.01% |
| KRISTI LESLIE3 | 104 NORTH OAK STREET PRATT, KS 67124 | AFLAC | $28 | — | $28 | 0.01% |
| DIANE GREY3 | 7665 LEYLAND CYPRESS LANE QUINTON, VA 23141 | AFLAC | $27 | — | $27 | 0.01% |
| KAREN S LEIGHTY3 | 729 PATTIE ROAD BUCKINGHAM, VA 23921 | AFLAC | $25 | — | $25 | 0.01% |
| MARY L SIMMONS3 | PO BOX 435 WAYNESBORO, VA 22980 | AFLAC | $25 | — | $25 | 0.01% |
| LUCY DIANE BAKER3 | 78470 HAMPSHIRE AVENUE PALM DESERT, CA 92211 | AFLAC | $24 | — | $24 | 0.01% |
| JENNY L T NELSON3 | PO BOX 1066 NORTH WILKESBORO, NC 28659 | AFLAC | $24 | — | $24 | 0.01% |
| MR C SHANNON WILKINS3 | 1154 PUMPKIN HILL ROAD HEATHSVILLE, VA 23606 | AFLAC | $23 | — | $23 | 0.01% |
| TERRY BIMLER3 | 135 PARKER AVENUE NEWPORT NEWS, VA 23606 | AFLAC | $23 | — | $23 | 0.01% |
| TRESSIE I NORRIS3 | 4900 ZEPP ROAD MAURERTOWN, VA 22644 | AFLAC | $23 | — | $23 | 0.01% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 240 BEVERLY HILLS CIRCLE APARTMENT 532 LYNCHBURG, VA 24502 | AFLAC | $21 | — | $21 | 0.01% |
| BARBARA BLOOD3 | 221 JACKSON ROAD MOUNT AIRY, NC 27030 | AFLAC | $21 | — | $21 | 0.01% |
| LEWIS K GATHRIGHT JR3 | PO BOX 165 GOOCHLAND, VA 23063 | AFLAC | $21 | — | $21 | 0.01% |
| MICHEL G GLOVER3 | 811B AMBROSE LANE MANASSAS PARK, VA 22644 | AFLAC | $20 | — | $20 | 0.01% |
| DANA J A NORRIS3 | 4900 ZEPP ROAD MAURERTOWN, VA 22644 | AFLAC | $20 | — | $20 | 0.01% |
| SIMERSON & ASSOCIATES INC3 | 3810 SOWERS ROAD LINWOOD, NC 27299 | AFLAC | $18 | — | $18 | 0.01% |
| DAWN D JOHNSTON3 | 1884 OLD NEW BERN ROAD CHOCOWINITY, NC 27817 | AFLAC | $18 | — | $18 | 0.01% |
| TRACI R BATTEN3 | 375 HARBOUR COVE DRIVE APARTMENT 323 SPARKS, NV 89434 | AFLAC | $17 | — | $17 | 0.01% |
| DAVID G BAKER3 | 1531 SUNFLOWER FIELD PLACE MATTHEWS, NC 28104 | AFLAC | $17 | — | $17 | 0.01% |
| GREGORY E MEYER3 | 5005 BODIE LANE GREENSBORO, NC 27455 | AFLAC | $17 | — | $17 | 0.01% |
| WILLIAM T HELDERMAN3 | 511 LADFORD LANE HIGH POINT, NC 27265 | AFLAC | $16 | — | $16 | 0.01% |
| JOHN A HAWLEY3 | 575 DOBBINS HOLLOW ROAD NORTHEAST PILOT, VA 24138 | AFLAC | $16 | — | $16 | 0.01% |
| DEBRA K CRAVER3 | 1394 JUBILEE ROAD LINWOOD, NC 27299 | AFLAC | $16 | — | $16 | 0.01% |
| RUTH P YOUNG3 | 677 BERKMAR COURT CHARLOTTESVILLE, VA 22901 | AFLAC | $14 | — | $14 | 0.01% |
| SUSAN E. KEELER3 Filed as: SUSAN E KEELER | 9216 64TH COURT E PARRISH, FL 34219 | AFLAC | $14 | — | $14 | 0.01% |
| DEE W SLATER3 | 6847 WELLSLEY COURT CLEMMONS, NC 27012 | AFLAC | $13 | — | $13 | 0.01% |
| TRACY L HURD3 | 10103 RIVENDELL LANE CHARLOTTE, NC 28269 | AFLAC | $13 | — | $13 | 0.01% |
| ROBERT CARTER3 Filed as: ROBERT P CARTER | 95 BERKSHIRE DRIVE FALLING WATERS, WV 25419 | AFLAC | $13 | — | $13 | 0.01% |
| CHARLES A HUTCHINSON3 | 2795 ROBERT C BYRD DRIVE BECKLEY, WV 25801 | AFLAC | $12 | — | $12 | 0.01% |
| REGINA G MARTIN3 | 1032 OCEAN BOULEVARD WEST SUPPLY, NC 28462 | AFLAC | $11 | — | $11 | 0.00% |
| CODY MOSS3 Filed as: CODY LEE MOSS | 2203 GLENMOORE ROAD SCOTTSVILLE, VA 24590 | AFLAC | $11 | — | $11 | 0.00% |
| MAXIMILLION JOSEPH PRESS3 | 2400 VALLEY AVENUE SUITE 9 WINCHESTER, VA 22601 | AFLAC | $11 | — | $11 | 0.00% |
| CHRISTOPHER S BALL3 | 2599 PATMOS CHURCH ROAD HUDDLESTON, VA 24104 | AFLAC | $11 | — | $11 | 0.00% |
| ELIZABETH HUNT3 | 13211 MOUNTAIN ASH COURT WOODBRIDGE, VA 22192 | AFLAC | $11 | — | $11 | 0.00% |
| RUSSELL TINNEY3 | 3440 TORRINGTON WAY APARTMENT 7 FAYETTEVILLE, VA 28314 | AFLAC | $10 | — | $10 | 0.00% |
| FAY JETER MARTIN3 | 19206 FOREST ROAD LYNCHBURG, VA 24501 | AFLAC | $10 | — | $10 | 0.00% |
| TERRY M HENNIGAN3 Filed as: TERRY M HENNINGAN | 9600 WATERFALL COVE DRIVE CHESTERFIELD, VA 23832 | AFLAC | $10 | — | $10 | 0.00% |
| JOAN H DIXON3 | 1896 OLD NEW BERN ROAD CHOCOWINITY, NC 27817 | AFLAC | $10 | — | $10 | 0.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES C ZOMBRO | 625 COUNTY ROAD 106 FLORENCE, AL 35633 | AFLAC | $10 | — | $10 | 0.00% |
| RICHARD J KRESINSKE3 | 4004 ATLANTIC AVENUE APARTMENT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $10 | — | $10 | 0.00% |
| CHERYL D DAVENPORT3 | 2731 NORTHEAST 14TH STREET CSWY APARTMENT 903A POMPANO BEACH, FL 33062 | AFLAC | $9 | — | $9 | 0.00% |
| GISELLE BETH MILOWITZ3 | 7214 PRO LANE MILTON, FL 32570 | AFLAC | $9 | — | $9 | 0.00% |
| MICHAEL R MARTIN3 | 32 OLD HICKORY PITTSBORO, NC 27312 | AFLAC | $9 | — | $9 | 0.00% |
| LEEANN B MILLER3 | 450 BRIARWOOD PLACE SOUTHEAST CONCORD, NC 28025 | AFLAC | $9 | — | $9 | 0.00% |
| JEFFERY S GIBSON3 Filed as: JEFFERY SCOTT GIBSON | 4030 TATES CREEK ROAD APARTMENT 1004 CONSHOHOCKEN, PA 40517 | AFLAC | $7 | — | $7 | 0.00% |
| JOANNE SCHERER3 | 3310 NORTH DAVIDSON STREET APARTMENT 412 CHARLOTTE, NC 28205 | AFLAC | $7 | — | $7 | 0.00% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $7 | — | $7 | 0.00% |
| ELIZABETH A COOK MILLER3 | 86 OLD LAUREL HILL ROAD VERONA, VA 24482 | AFLAC | $7 | — | $7 | 0.00% |
| DAVID LAMAR MYERS3 | 2145 GUILL TOWN ROAD SCOTTSBURG, VA 24589 | AFLAC | $6 | — | $6 | 0.00% |
| ANDREA L SHERMAN3 | 1348 FIVE FORKS ROAD VIRGINIA BEACH, VA 23455 | AFLAC | $6 | — | $6 | 0.00% |
| GEORGE WILLIAMS3 Filed as: GEORGE LOWNDES WILLIAMS | 208 GRAND PARK BOULEVARD CHARLESTON, SC 29492 | AFLAC | $6 | — | $6 | 0.00% |
| MARK D LUTHER3 | 300 LOOP ROAD SHERWOOD, AR 72120 | AFLAC | $6 | — | $6 | 0.00% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $5 | — | $5 | 0.00% |
| MARY E BECKER3 | 685 LAKEMONT TRIAL MOUNT AIRY, NC 27030 | AFLAC | $5 | — | $5 | 0.00% |
| KELLY J DECKER3 | 2045 FIVE FORKS ROAD PENDLETON, SC 29670 | AFLAC | $5 | — | $5 | 0.00% |
| ANNE H MARTIN3 | 3239 MOUNT TABOR ROAD CRESWELL, NC 27928 | AFLAC | $5 | — | $5 | 0.00% |
| LARRY W SHOWALTER3 | 2515 EAST MARKET STREET SUITE E HARRISONBURG, VA 22801 | AFLAC | $5 | — | $5 | 0.00% |
| LARRY A WESTON JR3 | 321 WINDSOR ROAD GREENVILLE, NC 27858 | AFLAC | $5 | — | $5 | 0.00% |
| DEBORAH A WITHEY3 | 2149 6TH STREET NORTHWEST HICKORY, NC 28601 | AFLAC | $4 | — | $4 | 0.00% |
| KATRINA D AIKEN3 | 2511 JUDITH STREET LYNCHBURG, VA 24501 | AFLAC | $4 | — | $4 | 0.00% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $4 | — | $4 | 0.00% |
| JULIE W CRAIG3 | 4930 VILLAGE GREEN DRIVE EL DORADO HILLS, CA 95762 | AFLAC | $4 | — | $4 | 0.00% |
| TRACY DAVIS MYERS3 | 18201 EATON HOLLOW LANE BROADWAY, VA 22815 | AFLAC | $4 | — | $4 | 0.00% |
| LYNN W RACKEMANN3 | 1065 OLD FULP ROAD DANBURY, NC 27016 | AFLAC | $3 | — | $3 | 0.00% |
| SHEILA L RAITCH3 | 5524 LIBER COURT GAINESVILLE, VA 20155 | AFLAC | $3 | — | $3 | 0.00% |
| SABRINA ANN PARSONS3 | 1925 CUBA LANE HAYES, VA 23072 | AFLAC | $2 | — | $2 | 0.00% |
| BONNIE L TAFT3 | 573 CANE RUN STREET HARRODSBURG, KY 40330 | AFLAC | $2 | — | $2 | 0.00% |
| LINDSEY JO MARTIN3 | 1450 NORTH ULMER STREET GREENWOOD, AR 72936 | AFLAC | $2 | — | $2 | 0.00% |
| BRANDON L MILLER3 | 5852 EMPIRE MILLS RUN CANAL WINCHESTER, OH 43110 | AFLAC | $2 | — | $2 | 0.00% |
| JEANNETTE E FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $1 | — | $1 | 0.00% |
| TONY J DELBEN3 | 143 SANDREED DRIVE MOORESVILLE, NC 28117 | AFLAC | $1 | — | $1 | 0.00% |
| K EARLE ABERNETHY3 | 2902 SHERYL DRIVE KINSTON, NC 28504 | AFLAC | $1 | — | $1 | 0.00% |
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 | 1,496 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,499 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 840 | $220K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 786 | $191K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF VIRGINA DBA ANTHEM BCBS | 1,261 | $1.7M |
| Other(3 contracts, 2 carriers) | AFLAC | 1,497 | $448K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,497 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.