| 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 | $88K | — | $88K | 4.16% |
| 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 | $6K | $83 | $6K | 9.97% |
| MELVIN R JONES3 | 3025 ELIOCH MANOR DR POWHATAN, VA 23139 | AFLAC | $718 | — | $718 | 1.20% |
| HEATHER D HAWLEY3 | 212 BISHOP RD BLACKSBURG, VA 24060 | AFLAC | $528 | $17 | $545 | 0.91% |
| JOHN A HAWLEY3 | 1390 SOUTHSIDE DRIVE SALEM, VA 24153 | AFLAC | $381 | $16 | $397 | 0.66% |
| SHANE M OWEN3 Filed as: SHANE CRAIG DAVISON | 120 PROVIDENCE TRL APT 1200 MT JULIET, TN 37122 | AFLAC | $314 | — | $314 | 0.52% |
| CUNDIFF INSURANCE AGENCY LLC3 | PO BOX 423 WIRTZ, VA 24184 | AFLAC | $294 | — | $294 | 0.49% |
| JEFFREY MAURICE FORD3 | PO BOX 515 CLOVERDALE, VA 24077 | AFLAC | $279 | — | $279 | 0.46% |
| KEVIN L MARTIN3 | 1534 LINKS VIEW DR SALEM, VA 24153 | AFLAC | $254 | — | $254 | 0.42% |
| YVONNE B REYNOLDS3 | 121 ROANOKE BLVD SALEM, VA 24153 | AFLAC | $231 | — | $231 | 0.38% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES R HILL SR | 9701 GAYTON RD STE 6 RICHMOND, VA 23238 | AFLAC | $199 | — | $199 | 0.33% |
| LARRY W OWEN3 | PO BOX 783 SALEM, VA 24153 | AFLAC | $107 | — | $107 | 0.18% |
| AUBREY W DAMRON3 | 355 STONELEDGE DRIVE ROANOKE, VA 24019 | AFLAC | $87 | — | $87 | 0.14% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $49 | — | $49 | 0.08% |
| DARAN L WYCKOFF3 | 505 N ARGONNE BLDG C SPOKANE VALLEY, WA 99212 | AFLAC | $48 | — | $48 | 0.08% |
| TRAVIS B HAWKINS3 | 761 MOSBY ST SW ABINGDON, VA 24210 | AFLAC | $44 | — | $44 | 0.07% |
| GARY W GOYER3 | 5463 WINESAP DR ROANOKE, VA 24019 | AFLAC | $43 | — | $43 | 0.07% |
| JACKSON D RHODES3 | 525 W OAKLAND AVE STE 7 JOHNSON CITY, TN 37604 | AFLAC | $40 | — | $40 | 0.07% |
| CAROL L BRYANT3 | 6129 HOMEWOOD CIR ROANOKE, VA 24018 | AFLAC | $26 | — | $26 | 0.04% |
| THOMAS E HATCHER JR3 | 1588 BAY TREE DRIVE HARRELLS, NC 28444 | AFLAC | $20 | — | $20 | 0.03% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT M GUTHRIE | 14227 N 14TH ST PHOENIX, AZ 85022 | AFLAC | $16 | — | $16 | 0.03% |
| BERNARD W LANGHEIM3 | 1908 MAYLIN DRIVE SALEM, VA 24153 | AFLAC | $16 | — | $16 | 0.03% |
| MARY T JOYCE3 | PO BOX 21471 ROANOKE, VA 24018 | AFLAC | $15 | — | $15 | 0.02% |
| KRISTINE G WYCKOFF3 | PO BOX 952 SPOKANE VALLEY, WA 99037 | AFLAC | $13 | — | $13 | 0.02% |
| PAUL B BROUCHOUD3 | 604 MARK DRIVE DEL CITY, OK 73115 | AFLAC | $13 | — | $13 | 0.02% |
| BRIAN CUMPTAN3 | 320 9TH STREET SUITE 200 HUNTINGTON, WV 25701 | AFLAC | $11 | — | $11 | 0.02% |
| JUSTIN W DAVIS3 | 300 LIVE OAK CT SALEM, VA 24153 | AFLAC | $11 | — | $11 | 0.02% |
| THOMAS J STEPHENSON3 | 320 9TH STREET HUNTINGTON, WV 25701 | AFLAC | $11 | — | $11 | 0.02% |
| WILFRED L SMITH3 | PO BOX 21471 ROANOKE, VA 24018 | AFLAC | $5 | — | $5 | 0.01% |
| MARY LEE NICHOLS3 | 3577 A CHAMBLEE TUCKER RD NO. 304 ATLANTA, GA 30341 | AFLAC | $4 | — | $4 | 0.01% |
| TRICIA A VANDEVANDER3 | 115 CAMBRIDGE DRIVE DALEVILLE, VA 24083 | AFLAC | $2 | — | $2 | 0.00% |
| DURWARD W HANCOCK JR3 | PO BOX 3634 NORTH MYRTLE BEACH, SC 29582 | AFLAC | $2 | — | $2 | 0.00% |
| GEORGE WILLIAMS3 Filed as: GEORGE LOWNDES WILLIAMS | 208 GRAND PARK BLVD CHARLESTON, SC 29492 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL R MARTIN3 | 442 KING GEORGE AVE SW ROANOKE, VA 24016 | AFLAC | $1 | — | $1 | 0.00% |
| CHRISTOPHER PARSONS3 | 193 BEACH RD POQUOSON, VA 23662 | AFLAC | $1 | — | $1 | 0.00% |
| 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 | — |
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 | 6,711 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 489 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS OF CALIFORNIA | 1,008 | $3.7M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF NJ, INC. | 5,796 | $6.7M |
| Vision | VISION SERVICE PLAN | 4,843 | $671K |
| Prescription drug(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 315 | $1.6M |
| Other | AFLAC | 102 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,796 | — |
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.