| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AB& D CO5 | 1523 HUGUENOT ROAD MIDLOTHIAN, VA 23113 | JOHN HANCOCK LIFE INSURANCE CO., USA | $88K | $300 | $88K | — |
| EMERSON M DAVIS3 | 203 GREEN OAK DR HUNTINGTON, WV 25705 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $184 | — | $184 | — |
| EMERSON M DAVIS3 | 203 GREEN OAK DR. HUNTINGTON, WV 25705 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $13K | — | $13K | — |
| GEORGE KINIGOPOULOS3 Filed as: GEORGE S KINIGOPOULOS | 530 GAITHER RD., STE 350 ROCKVILLE, MD 20850 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4K | $403 | $5K | — |
| JAMES M VANEPEREN3 Filed as: JAMES MICHAEL VANEPEREN | 11211 RIVER VIEW DR POTOMAC, MD 20854 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $95 | — | $95 | — |
| JAMES M VANEPEREN3 Filed as: JAMES MICHAEL VANEPEREN | 11211 RIVER VIEW DR. POTOMAC, MD 20854 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | — | $0 | — |
| EMERSON M DAVIS3 Filed as: EMERSON M DAVIS, JR | 203 GREEN OAK DR. HUNTINGTON, WV 25705 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLTH ADVISORY SERVICES, LLC NONE | Investment management fees paid directly by plan Service code 51 | 200 RIVER DON WILLIAMSBURG, VA 23188 | $24K |
| ACTUARIAL BENEFITS & DESIGN CO., IN EIN 54-1521351 NONE | Consulting (pension); Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees; Direct payment from the plan Service code 15 | — | $16K |
| JOHN HANCOCK USA EIN 01-0233346 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $6K |
| HESS STEWART & CAMPBELL EIN 55-0657218 NONE | Accounting (including auditing) Service code 10 | — | $0 |
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 | 323 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts) | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 157 | $0 |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 180 | $0 |
| Other | JOHN HANCOCK LIFE INSURANCE CO., USA | 350 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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.