| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 130- VANTIS, SUITE 165 ALISO VIEJO, CA 92656 | BLUE CROSS OF CALIFORNIA | $82K | — | $82K | 3.87% |
| KNEPPER INSURANCE GROUP3 Filed as: KNEPPER INSURANCE AGENCY, INC. | 221 WEST PATRIOT STREET SOMERSET, PA 15557 | UPMC HEALTH OPTIONS | $53K | — | $53K | 3.97% |
| ROONEY INSURANCE AGENCY INC3 Filed as: ROONEY INSURANCE AGENCY, INC | 4700 SOUTH GARNETT ROAD STE.200 TULSA, OK 741465222 | BLUE CROSS BLUE SHIELD OF OKLAHOMA | $11K | — | $11K | 3.50% |
| L/P INSURANCE SERVICES3 Filed as: L/P INSURANCE SERVICES, INC. | 300 EAST 2ND STREET SUITE 1300 RENO, NV 89501 | HOMETOWN HEALTH | $17K | — | $17K | 10.32% |
| 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 | $10K | — | $10K | 10.00% |
| BONITA H WALKER3 | 1945 MAYLIN DR SALEM, VA 24153 | AFLAC | $5K | $118 | $5K | 8.88% |
| MELVIN R JONES3 | 3025 ELIOCH MANOR DR POWHATAN, VA 23139 | AFLAC | $701 | — | $701 | 1.28% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES R HILL SR | 9701 GAYTON RD STE 6 RICHMOND, VA 23238 | AFLAC | $346 | — | $346 | 0.63% |
| SHANE M OWEN3 Filed as: SHANE CRAIG DAVISON | 1300 SHETTER AVE APT 4202 JACKSONVILLE BEACH, FL 32250 | AFLAC | $328 | — | $328 | 0.60% |
| KEVIN L MARTIN3 | 608 W CARROLLTON AVENUE SALEM, VA 24153 | AFLAC | $291 | $23 | $314 | 0.57% |
| CUNDIFF INSURANCE AGENCY LLC3 | PO BOX 423 WIRTZ, VA 24184 | AFLAC | $294 | — | $294 | 0.54% |
| JEFFREY MAURICE FORD3 | PO BOX 515 CLOVERDALE, VA 24077 | AFLAC | $247 | — | $247 | 0.45% |
| JOHN A HAWLEY3 | 1390 SOUTHSIDE DRIVE SALEM, VA 24153 | AFLAC | $163 | — | $163 | 0.30% |
| HEATHER D HAWLEY3 | 212 BISHOP RD BLACKSBURG, VA 24060 | AFLAC | $145 | — | $145 | 0.27% |
| YVONNE B REYNOLDS3 | 121 ROANOKE BLVD SALEM, VA 24153 | AFLAC | $132 | — | $132 | 0.24% |
| YVONNE B REYNOLDS3 | PO BOX 1633 SALEM, VA 24153 | AFLAC | $126 | — | $126 | 0.23% |
| LARRY W OWEN3 | PO BOX 783 SALEM, VA 24153 | AFLAC | $90 | — | $90 | 0.16% |
| AUBREY W DAMRON3 | 355 STONELEDGE DRIVE ROANOKE, VA 24019 | AFLAC | $83 | — | $83 | 0.15% |
| HEATHER D HAWLEY3 | 6744 BAY HILL CT RADFORD, VA 24141 | AFLAC | $62 | — | $62 | 0.11% |
| JOHN A HAWLEY3 | 1390 SOUTHSIDE DRIVE SALEM, VA 24153 | AFLAC | $36 | $24 | $60 | 0.11% |
| DARAN L WYCKOFF3 | 505 N ARGONNE BLDG C SPOKANE VALLEY, WA 99212 | AFLAC | $53 | — | $53 | 0.10% |
| GARY W GOYER3 | 5463 WINESAP DR ROANOKE, VA 24019 | AFLAC | $47 | — | $47 | 0.09% |
| JACKSON D RHODES3 | 525 W OAKLAND AVE STE 7 JOHNSON CITY, TN 37604 | AFLAC | $41 | — | $41 | 0.07% |
| TRAVIS B HAWKINS3 | 761 MOSBY ST SW ABINGDON, VA 24210 | AFLAC | $39 | — | $39 | 0.07% |
| CAROL L BRYANT3 | 6129 HOMEWOOD CIR ROANOKE, VA 24018 | AFLAC | $26 | — | $26 | 0.05% |
| THOMAS E HATCHER JR3 | 1588 BAY TREE DRIVE HARRELLS, NC 28444 | AFLAC | $20 | — | $20 | 0.04% |
| MARY T JOYCE3 | PO BOX 21471 ROANOKE, VA 24018 | AFLAC | $15 | — | $15 | 0.03% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT M GUTHRIE | 5401 ASHBURY CT TYLER, TX 75703 | AFLAC | $14 | — | $14 | 0.03% |
| BERNARD W LANGHEIM3 | 1908 MAYLIN DRIVE SALEM, VA 24153 | AFLAC | $13 | — | $13 | 0.02% |
| TRICIA A VANDEVANDER3 | 115 CAMBRIDGE DRIVE DALEVILLE, VA 24083 | AFLAC | $9 | — | $9 | 0.02% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $8 | — | $8 | 0.01% |
| BRIAN CUMPTAN3 | 320 9TH STREET SUITE 200 HUNTINGTON, WV 25701 | AFLAC | $6 | — | $6 | 0.01% |
| WILFRED L SMITH3 | PO BOX 21471 ROANOKE, VA 24018 | AFLAC | $5 | — | $5 | 0.01% |
| KRISTINE G WYCKOFF3 | PO BOX 952 SPOKANE VALLEY, WA 99037 | AFLAC | $3 | — | $3 | 0.01% |
| PAUL B BROUCHOUD3 | 604 MARK DRIVE DEL CITY, OK 73115 | AFLAC | $3 | — | $3 | 0.01% |
| DURWARD W HANCOCK JR3 | PO BOX 3634 NORTH MYRTLE BEACH, SC 29582 | AFLAC | $2 | — | $2 | 0.00% |
| JUSTIN W DAVIS3 | 300 LIVE OAK CT SALEM, VA 24153 | AFLAC | $2 | — | $2 | 0.00% |
| THOMAS J STEPHENSON3 | 320 9TH STREET HUNTINGTON, WV 25701 | AFLAC | $2 | — | $2 | 0.00% |
| MARY LEE NICHOLS3 | 3577 A CHAMBLEE TUCKER RD NO. 304 ATLANTA, GA 30341 | AFLAC | $1 | — | $1 | 0.00% |
| KNEPPER INSURANCE GROUP3 Filed as: KNEPPER INSURANCE AGENCY, INC. | 221 WEST PATRIOT STREET SOMERSET, PA 15557 | UPMC HEALTH BENEFITS | $4K | — | $4K | 8.61% |
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 | 6,560 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 412 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,972 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS OF CALIFORNIA | 1,068 | $3.8M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF NJ, INC. | 5,566 | $6.5M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 4,602 | $784K |
| Prescription drug(3 contracts, 3 carriers) | UPMC HEALTH OPTIONS | 305 | $1.6M |
| Other | AFLAC | 106 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,566 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.