| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $26K | $26K | 2.02% |
| TIFFANY GODLEY SMITH3 Filed as: TIFFANY G SMITH | 311 NAPLES CT CHESAPEAKE, VA 23322 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39K | — | $39K | 14.61% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 10087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24K | — | $24K | 8.84% |
| GLENN E SMITH3 Filed as: GLENN E SMITH II | 311 NAPLES CT CHESAPEAKE, VA 23322 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | — | $14K | 5.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES G BROWN | 2522 OWENS LANDING TRAIL NW KENNESAW, GA 30152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 2.16% |
| SHAWN STEPHENS3 | 293 INDEPENDENCE BLVD SUITE 218 VIRGINIA BEACH, VA 23462 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 1.02% |
| SHELLY WIEGAND3 Filed as: SHELLY J HAYES | 4654 SAVOY COURT VIRGINIA BEACH, VA 23455 | CONTINENTAL AMERICAN INSURANCE COMPANY | $760 | — | $760 | 0.28% |
| DAVID N MORGAN3 | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $705 | — | $705 | 0.26% |
| LEIANN D WATKINS3 | 2325 SEA SHELL RD #304 VIRGINIA BEACH, VA 23451 | CONTINENTAL AMERICAN INSURANCE COMPANY | $409 | — | $409 | 0.15% |
| TIFFANY GODLEY SMITH3 Filed as: TIFFANY G SMITH | 311 NAPLES CT CHESAPEAKE, VA 23322 | CONTINENTAL AMERICAN INSURANCE COMPANY | $374 | — | $374 | 0.14% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD SUITE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $279 | — | $279 | 0.10% |
| AMELIA MORGAN3 | 1904 ELLIS DRIVE MAIDENS, VA 23102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $136 | — | $136 | 0.05% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD SUITE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $123 | — | $123 | 0.05% |
| RICHARD KRESINSKE3 | PO BOX 15341 CHESAPEAKE, VA 23328 | CONTINENTAL AMERICAN INSURANCE COMPANY | $108 | — | $108 | 0.04% |
| ANDREW JOHNSON BENEFITS GROUP LLC3 Filed as: ANDREW D JOHNSON | 677 BERKMAR CT CHARLOTTESVILLE, VA 22902 | CONTINENTAL AMERICAN INSURANCE COMPANY | $90 | — | $90 | 0.03% |
| RUSSELL W TINNEY3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | — | $65 | 0.02% |
| AMANDA N YOUNG3 | 4066 BARNES TRAVERSE CITY, MI 49684 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.01% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 397 LITTLE NECK ROAD 3300 BLDG SUITE 200 VIRGINIA BEACH, VA 23452 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.01% |
| MARK D LUTHER3 | 804 MOOREFIELD PARK DR. SUITE 106 RICHMOND, VA 23236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 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 | 3,001 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 322 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 739 | $5K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 4,764 | $1.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 4,764 | $1.3M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,764 | $1.3M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,764 | $1.3M |
| Stop-loss / reinsurancereinsurance | HEALTHKEEPERS, INC. | 2,212 | $696K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,764 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,764 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.