| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC7 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 0.39% |
| WILLIS TOWERS WATSON US LLC7 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 0.54% |
| TIFFANY GODLEY SMITH Filed as: TIFFANY G SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56K | — | $56K | 18.99% |
| ELIZABETH GRELLNER | 101 S HANLEY RD STE 900 ST. LOUIS, MO 63105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30K | — | $30K | 10.24% |
| ANDREW JOHNSON BENEFITS GROUP LLC | 11310 EAST OCEAN VIEW AVE NORFOLK, VA 23503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17K | — | $17K | 5.76% |
| GLENN E SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23220 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | — | $13K | 4.48% |
| SHAWN K STEPHENS | 293 INDEPENDENCE BLVD SUITE 218 VIRGINIA BEACH, VA 23462 | CONTINENTAL AMERICAN INSURANCE COMPANY | $831 | — | $831 | 0.28% |
| TIFFANY GODLEY SMITH Filed as: TIFFANY G SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $436 | — | $436 | 0.15% |
| DAVID N MORGAN | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $342 | — | $342 | 0.12% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: JAMES G BROWN | 2522 OWENS LANDING TRAIL NW KENNESAW, GA 30152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $341 | — | $341 | 0.12% |
| SHELLY WIEGAND Filed as: SHELLY J HAYES | 108 SE 11TH STREET ALEDO, IL 61231 | CONTINENTAL AMERICAN INSURANCE COMPANY | $277 | — | $277 | 0.09% |
| LEIANN D WATKINS | 2325 SEA SHELL RD. #304 VIRGINIA BEACH, VA 23451 | CONTINENTAL AMERICAN INSURANCE COMPANY | $77 | — | $77 | 0.03% |
| DUANE A ADAMS | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $69 | — | $69 | 0.02% |
| RICHARD KRESINSKE | PO BOX 15341 CHESAPEAKE, VA 23328 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | — | $65 | 0.02% |
| DUANE A ADAMS | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | — | $48 | 0.02% |
| AMELIA MORGAN | 1904 ELLIS DRIVE MAIDENS, VA 23102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.01% |
| RUSSELL W TINNEY | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.00% |
| CHRISTOPHER THOMAS HIPP Filed as: CHRISTOPHER T HIPP | 718 MAIN SUITE 205 HAYS, KS 67601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.00% |
| AMANDA N YOUNG | 4066 BARNES TRAVERSE CITY, MI 49684 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| MARK D LUTHER | 804 MOOREFIE LD PARK DR. SUITE 106 RICHMOND, VA 23236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 1.38% |
| WILLIS TOWERS WATSON US LLC7 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 0.50% |
| WILLIS TOWERS WATSON US LLC7 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $265 | $265 | 0.62% |
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 | 3,479 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,495 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 838 | $7K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 4,047 | $265K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,270 | $345K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,824 | $625K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,825 | $210K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 3,799 | $333K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,344 | $824K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,047 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.