| 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. | $15K | — | $15K | 2.32% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY RD. #F GREENSBORO, NC 27409 | HARTFORD LIFE AND ACCIDENT | $6K | $1K | $7K | 16.57% |
| BB&T INSURANCE SERVICES, INC.3 | PO BOX 896620 SUITE 201 CHARLOTTE, NC 282896620 | VISION SERVICE PLAN | $839 | — | $839 | 6.65% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $218 | — | $218 | 3.34% |
| BENJAMIN POMEROY3 | 2300 OAKENGATE LANE MIDLOTHIAN, VA 23113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | — | $97 | 1.49% |
| JOHN E CUMMINGS3 Filed as: JOHN E. CUMMINGS | 204 QUAYSIDE CIRCLE #501 MAITLAND, FL 32751 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | $3 | $72 | 1.10% |
| BRUCE WAYNE HEAD3 | 1400 PANTIGO LANE CHESAPEAKE, VA 23320 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $1 | $59 | 0.90% |
| FRIEDMAN FINANCIAL SERVICES INC3 Filed as: FRIEDMAN AGENCY, INC. | 233 BUSINESS PARK DRIVE VIRGINIA BEACH, VA 23462 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.63% |
| NASTOSIA VENUS MCNAIR3 | 9005 DANWOOD MANOR TERRACE RICHMOND, VA 23227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $2 | $6 | 0.09% |
| DARRYL HYMES3 | 2597 SOUTH HWY A1A MELBOURNE BEACH, FL 32951 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.09% |
| LILIENFIELD & ASSOCIATES LLC3 Filed as: LILIENFIELD & ASSOCIATES | 1100 HIGGINS PLACE ROCKVILLE, MD 20852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| GAIL I BEAGLE3 | 323 HUNTS NECK RD POQUOSON, VA 23662 | AFLAC | $362 | — | $362 | 11.10% |
| JOHN C POLLOCK3 | 600 UNIVERSITY OFFICE BLVD STE 12 PENSACOLA, FL 32504 | AFLAC | $269 | — | $269 | 8.25% |
| MICHELLE BOYD3 | 463 STONECREST CIRCLE RINGGOLD, GA 30736 | AFLAC | $130 | — | $130 | 3.99% |
| MICHELLE G POLLOCK3 | 6410 GUILFORD DR PENSACOLA, FL 32504 | AFLAC | $71 | — | $71 | 2.18% |
| LAWRENCE SCOTT MOLNAR3 | 917 CHARLOTTE DR NEWPORT NEWS, VA 23601 | AFLAC | $60 | — | $60 | 1.84% |
| BRIAN ANDREWS3 | 5728 TAMARACK DR PACE, FL 32571 | AFLAC | $45 | — | $45 | 1.38% |
| MEGAN EASTBURN3 | 6240 FREEMAN AVE SUFFOLK, VA 23435 | AFLAC | $43 | — | $43 | 1.32% |
| JENNIFER L VANROEKEL3 | 212 LEE TRACE DR SMITHFIELD, NC 27577 | AFLAC | $40 | — | $40 | 1.23% |
| JEREMY A HARDEN3 | 1763 RAINBOW CIRCLE NE DALTON, GA 30721 | AFLAC | $20 | — | $20 | 0.61% |
| CHRISTOPHER WALLACE HOFF3 | 1095 WILLOW BEND ROSWELL, GA 30075 | AFLAC | $17 | — | $17 | 0.52% |
| MEGAN EASTBURN3 | 4010 HOLSTON CT SUFFOLK, VA 23435 | AFLAC | $14 | — | $14 | 0.43% |
| MARCIE DAVENPORT3 Filed as: MARCIE A DAVENPORT | 4869 W COTTAGE BROOK CIRCLE WEST VALLEY CITY, UT 84120 | AFLAC | $14 | — | $14 | 0.43% |
| SONNY PARKS3 | 2033 RIVER PEARL WAY CHESAPEAKE, VA 23321 | AFLAC | $13 | — | $13 | 0.40% |
| NICHOLAS WAGNER3 | 4665 HAYGOOD RD STE 402 VIRGIIA BEACH, VA 23455 | AFLAC | $13 | — | $13 | 0.40% |
| JON H DAVENPORT3 | 703 THIMBLE SHOALS BLVD STE C-6 NEWPORT NEWS, VA 23606 | AFLAC | $9 | — | $9 | 0.28% |
| JENNIFER L VANROEKEL3 | 37A BERNARD RD HAMPTON, VA 23651 | AFLAC | $8 | — | $8 | 0.25% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $4 | — | $4 | 0.12% |
| SONNY PARKS3 | 1813 CHARLOTTE ANN CT CHESAPEAKE, VA 23321 | AFLAC | $3 | — | $3 | 0.09% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $2 | — | $2 | 0.06% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $1 | — | $1 | 0.03% |
| RICHARD J KRESINSKE3 | 4004 ATLANTIC AVE APT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $1 | — | $1 | 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 | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 158 | 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. | 117 | $638K |
| Vision | VISION SERVICE PLAN | 80 | $13K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 154 | $44K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 154 | $44K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 154 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.