| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | UNITEDHEALTHCARE INSURANCE COMPANY | $64K | — | $64K | 3.69% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY ST FL 6 NEW YORK, NY 102810001 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | — | $22K | 1.28% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 8.37% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC | PO BOX 4557 NEW YORK, NY 10249 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 2.55% |
| JUDY L MCCULLOUGH3 | PO BOX 449 FOREST, VA 24551 | AFLAC | $3K | — | $3K | 4.30% |
| MJ INSURANCE3 Filed as: JOHN A HAWLEY AND VARIOUS AGENTS | 575 DOBBINS HOLLOW RD NE PILOT, VA 24138 | AFLAC | $2K | — | $2K | 3.30% |
| NANCY A FLIPPIN3 | PO BOX 465 STUART, VA 24171 | AFLAC | $2K | — | $2K | 2.63% |
| MELISSA L KARNES3 | PO BOX 384 DALEVILLE, VA 24083 | AFLAC | $1K | — | $1K | 2.27% |
| TRICIA A VANDEVANDER3 | 115 CAMBRIDGE DR DALEVILLE, VA 24083 | AFLAC | $557 | — | $557 | 0.87% |
| JESSE MAXWELL MILLER3 | 117 WELLS RD MADISON HEIGHTS, VA 24572 | AFLAC | $547 | — | $547 | 0.85% |
| GERALD B BURRUS3 | 2425 OLD OREGON TRL PULASKI, VA 24301 | AFLAC | $187 | — | $187 | 0.29% |
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 | 191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 242 | $1.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 242 | $1.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 242 | $1.7M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 186 | $111K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 186 | $111K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 186 | $111K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 186 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.