| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 | 113 SOUTH WAYNE AVE. PO BOX 700 WAYNESBORO, VA 22980 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $28K | — | $28K | 5.25% |
| BB&T INSURANCE SERVICES, INC.3 | PO BOX 436869 LOUISVILLE, KY 40253 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | — | $177 | $177 | 0.03% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY RD. #F GREENSBORO, NC 27409 | HARTFORD LIFE AND ACCIDENT | $11K | $5K | $16K | 21.80% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 27612 | VISION SERVICE PLAN | $1K | — | $1K | 5.80% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $303 | — | $303 | 4.73% |
| BRUCE WAYNE HEAD3 | 1400 PANTIGO LANE CHESAPEAKE, VA 23320 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $161 | $17 | $178 | 2.78% |
| FRIEDMAN FINANCIAL SERVICES INC3 Filed as: FRIEDMAN AGENCY, INC. | 233 BUSINESS PARK DRIVE VIRGINIA BEACH, VA 23462 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $111 | — | $111 | 1.73% |
| JOHN E CUMMINGS3 Filed as: JOHN E. CUMMINGS | PO BOX 5936 GLEN ALLEN, VA 23058 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | $17 | $111 | 1.73% |
| BENJAMIN POMEROY3 | 2300 OAKENGATE LANE MIDLOTHIAN, VA 23113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | — | $109 | 1.70% |
| DARRYL HYMES3 | 3900 JERMANTOWN ROAD FAIRFAX, VA 22030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $3 | $13 | 0.20% |
| NASTOSIA VENUS MCNAIR3 | 9005 DANWOOD MANOR TERRACE RICHMOND, VA 23227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $1 | $12 | 0.19% |
| GAIL STEWART GOLD3 | 11919 SUNFLOWER LANE RICHMOND, VA 23236 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.11% |
| LAURA H MILLEN3 Filed as: LAURA H. MILLEN | 8023 AINSDALE LANE CHESTERFIELD, VA 23832 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.03% |
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 | 222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 182 | $540K |
| Vision | VISION SERVICE PLAN | 100 | $18K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 216 | $73K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 216 | $73K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 216 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.