| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNIFIED GROCERS INSURANCE SERVICES3 | INC. 874 S VILLAGE OAKS DR COVINA, CA 91724 | BLUE CROSS OF CALIFORNIA | $55K | — | $55K | 2.63% |
| EASY INSURANCE MARKETING, INC.3 Filed as: EASY INSURANCE MARKETING INC. | 4333 PARK TERRACE DRIVE, SUITE 120 WESTLAKE VILLAGE, CA 91361 | BLUE CROSS OF CALIFORNIA | $51K | — | $51K | 2.47% |
| KNEPPER INSURANCE GROUP3 Filed as: KNEPPER INSURANCE AGENCY, INC. | 221 WEST PATRIOT STREET SOMERSET, PA 15557 | UPMC HEALTH OPTIONS | $50K | — | $50K | 3.96% |
| L/P INSURANCE SERVICES3 Filed as: L/P INSURANCE SERVICES, INC. | 300 EAST 2ND STREET, SUITE 1300 RENO, NV 89501 | HOMETOWN HEALTH | $14K | — | $14K | 9.71% |
| UNIFIED GROCERS INSURANCE SERVICES3 | INC. 874 S VILLAGE OAKS DR COVINA, CA 91724 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $5K | — | $5K | 5.09% |
| EASY INSURANCE MARKETING, INC.3 | 4333 PARK TERRACE DRIVE SUITE 120 WESTLAKE VILLAGE, CA 91361 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $4K | — | $4K | 4.05% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 3281 E. GUASTI ROAD SUITE 400 ONTARIO, CA 91761 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $834 | — | $834 | 0.86% |
| BONITA H WALKER3 | 1945 MAYLIN DR SALEM, VA 24153 | AFLAC | $5K | — | $5K | 8.99% |
| MELVIN R JONES3 | 3025 ELIOCH MANOR DR POWHATAN, VA 23139 | AFLAC | $803 | — | $803 | 1.31% |
| KEVIN L MARTIN3 | 608 W CARROLLTON AVENUE SALEM, VA 24153 | AFLAC | $532 | — | $532 | 0.87% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES R HILL SR | 9701 GAYTON RD STE 6 RICHMOND, VA 23238 | AFLAC | $398 | — | $398 | 0.65% |
| CUNDIFF INSURANCE AGENCY LLC3 | PO BOX 423 WIRTZ, VA 24184 | AFLAC | $360 | — | $360 | 0.59% |
| SHANE M OWEN3 Filed as: SHANE CRAIG DAVISON | 1300 SHETTER AVE APT 4202 JACKSONVILLE BEACH, FL 32250 | AFLAC | $359 | — | $359 | 0.59% |
| YVONNE B REYNOLDS3 | PO BOX 1633 SALEM, VA 24153 | AFLAC | $290 | — | $290 | 0.47% |
| JEFFREY MAURICE FORD3 | PO BOX 515 CLOVERDALE, VA 24077 | AFLAC | $256 | — | $256 | 0.42% |
| JOHN A HAWLEY3 | 1390 SOUTHSIDE DRIVE SALEM, VA 24153 | AFLAC | $220 | — | $220 | 0.36% |
| LARRY W OWEN3 | PO BOX 783 SALEM, VA 24153 | AFLAC | $91 | — | $91 | 0.15% |
| AUBREY W DAMRON3 | 355 STONELEDGE DRIVE ROANOKE, VA 24019 | AFLAC | $78 | — | $78 | 0.13% |
| DARAN L WYCKOFF3 | 505 N ARGONNE BLDG C SPOKANE VALLEY, WA 99212 | AFLAC | $60 | — | $60 | 0.10% |
| GARY W GOYER3 | 44 KINGSTON DRIVE STE 245 DALEVILLE, VA 24083 | AFLAC | $60 | — | $60 | 0.10% |
| TRAVIS B HAWKINS3 | 761 MOSBY ST SW ABINGDON, VA 24210 | AFLAC | $49 | — | $49 | 0.08% |
| JACKSON D RHODES3 | 525 W OAKLAND AVE STE 7 JOHNSON CITY, TN 37604 | AFLAC | $46 | — | $46 | 0.08% |
| CAROL L BRYANT3 | 6129 HOMEWOOD CIR ROANOKE, VA 24018 | AFLAC | $24 | — | $24 | 0.04% |
| THOMAS E HATCHER JR3 | 1588 BAY TREE DRIVE HARRELLS, NC 28444 | AFLAC | $21 | — | $21 | 0.03% |
| BRIAN CUMPTAN3 | 320 9TH STREET SUITE 200 HUNTINGTON, WV 25701 | AFLAC | $19 | — | $19 | 0.03% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT M GUTHRIE | 5401 ASHBURY CT TYLER, TX 75703 | AFLAC | $14 | — | $14 | 0.02% |
| MARY T JOYCE3 | PO BOX 21471 ROANOKE, VA 24018 | AFLAC | $14 | — | $14 | 0.02% |
| BERNARD W LANGHEIM3 | 1908 MAYLIN DRIVE SALEM, VA 24153 | AFLAC | $13 | — | $13 | 0.02% |
| TRICIA A VANDEVANDER3 | 115 CAMBRIDGE DRIVE DALEVILLE, VA 24083 | AFLAC | $13 | — | $13 | 0.02% |
| WILFRED L SMITH3 | PO BOX 21471 ROANOKE, VA 24018 | AFLAC | $4 | — | $4 | 0.01% |
| DURWARD W HANCOCK JR3 | PO BOX 3634 NORTH MYRTLE BEACH, SC 29582 | AFLAC | $2 | — | $2 | 0.00% |
| KNEPPER INSURANCE GROUP3 Filed as: KNEPPER INSURANCE AGENCY, INC. | 221 WEST PATRIOT STREET SOMERSET, PA 15557 | UPMC HEALTH BENEFITS | $3K | — | $3K | 6.34% |
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 | 7,813 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 502 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 399 | $3.4M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF NJ, INC. | 5,399 | $6.4M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 4,240 | $728K |
| Prescription drug(3 contracts, 3 carriers) | UPMC HEALTH OPTIONS | 316 | $1.5M |
| Other | AFLAC | 115 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,399 | — |
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."
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.