| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $10K | — | $10K | 0.28% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | ONE PARK PLAZA NO.600 IRVINE, CA 92614 | BLUE CROSS OF CALIFORNIA | $111K | — | $111K | 4.13% |
| KNEPPER INSURANCE GROUP3 Filed as: KNEPPER INSURANCE AGENCY, INC. | 221 WEST PATRIOT STREET SOMERSET, PA 15501 | UPMC HEALTH OPTIONS | $63K | — | $63K | 3.98% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 15A MELANIE LANE SUITE 1 EAST HANOVER, NJ 07936 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| KNEPPER INSURANCE GROUP3 Filed as: KNEPPER INSURANCE AGENCY, INC. | 221 WEST PATRIOT STREET SOMERSET, PA 15501 | UPMC HEALTH BENEFITS | $6K | — | $6K | 9.28% |
| BONITA H WALKER3 | 2637 WILLOWLAWN ST ROANOKE, VA 24018 | AFLAC | $6K | $165 | $6K | 11.38% |
| MELISSA L KARNES3 | 1002 CANINE CT THAXTON, VA 24174 | AFLAC | $820 | $33 | $853 | 1.50% |
| KEVIN L MARTIN3 | 1534 LINKS VIEW DR SALEM, VA 24153 | AFLAC | $582 | — | $582 | 1.02% |
| MELVIN R JONES3 | 3025 ELIOCH MANOR DR POWHATAN, VA 23139 | AFLAC | $560 | — | $560 | 0.99% |
| CUNDIFF INSURANCE AGENCY LLC3 | PO BOX 423 WIRTZ, VA 24184 | AFLAC | $242 | — | $242 | 0.43% |
| JEFFREY MAURICE FORD3 | PO BOX 515 CLOVERDALE, VA 24077 | AFLAC | $238 | — | $238 | 0.42% |
| SHANE M OWEN3 Filed as: SHANE CRAIG DAVISON | 120 PROVIDENCE TRL APT 1200 MT JULIET, TN 37122 | AFLAC | $231 | — | $231 | 0.41% |
| YVONNE B REYNOLDS3 | 121 ROANOKE BLVD SALEM, VA 24153 | AFLAC | $192 | — | $192 | 0.34% |
| JOHN A HAWLEY3 | 116 PICKENS CT KINGSPORT, TN 37663 | AFLAC | $134 | — | $134 | 0.24% |
| JAMES C BOOKER3 | 228 PICKERINGTON RIDGE DR PICKERINGTON, OH 43137 | AFLAC | $75 | $33 | $108 | 0.19% |
| LARRY W OWEN3 | PO BOX 783 SALEM, VA 24153 | AFLAC | $90 | — | $90 | 0.16% |
| HEATHER D HAWLEY3 | 212 BISHOP RD BLACKSBURG, VA 24060 | AFLAC | $86 | — | $86 | 0.15% |
| AUBREY W DAMRON3 | 355 STONELEDGE DRIVE ROANOKE, VA 24019 | AFLAC | $76 | — | $76 | 0.13% |
| HEATHER D HAWLEY3 | PO BOX 484 CONCORD, VA 24538 | AFLAC | $71 | — | $71 | 0.13% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $39 | — | $39 | 0.07% |
| DARAN L WYCKOFF3 | 2907 E 64TH CT SPOKANE, WA 99223 | AFLAC | $37 | — | $37 | 0.07% |
| JACKSON D RHODES3 | 2332 VOLUNTEER PKWY BRISTOL, TN 37620 | AFLAC | $32 | — | $32 | 0.06% |
| GARY W GOYER3 | 5463 WINESAP DR ROANOKE, VA 24019 | AFLAC | $31 | — | $31 | 0.05% |
| TRAVIS B HAWKINS3 | 761 MOSBY ST SW ABINGDON, VA 24210 | AFLAC | $28 | — | $28 | 0.05% |
| CAROL L BRYANT3 | 6129 HOMEWOOD CIR ROANOKE, VA 24018 | AFLAC | $26 | — | $26 | 0.05% |
| JAMES C BOOKER3 | 98 KENNA DR CHARLESTON, WV 25309 | AFLAC | $21 | — | $21 | 0.04% |
| THOMAS E HATCHER JR3 | 1588 BAY TREE DRIVE HARRELLS, NC 28444 | AFLAC | $16 | — | $16 | 0.03% |
| MARY T JOYCE3 | PO BOX 21471 ROANOKE, VA 24018 | AFLAC | $15 | — | $15 | 0.03% |
| BERNARD W LANGHEIM3 | 1908 MAYLIN DRIVE SALEM, VA 24153 | AFLAC | $13 | — | $13 | 0.02% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT M GUTHRIE | 14227 N 14TH ST PHOENIX, AZ 85022 | AFLAC | $11 | — | $11 | 0.02% |
| KRISTINE G WYCKOFF3 | PO BOX 31233 SPOKANE, WA 99223 | AFLAC | $10 | — | $10 | 0.02% |
| PAUL B BROUCHOUD3 | 604 MARK DRIVE DEL CITY, OK 73115 | AFLAC | $10 | — | $10 | 0.02% |
| JUSTIN W DAVIS3 | 300 LIVE OAK CT SALEM, VA 24153 | AFLAC | $7 | — | $7 | 0.01% |
| THOMAS J STEPHENSON3 | 320 9TH STREET HUNTINGTON, WV 25701 | AFLAC | $7 | — | $7 | 0.01% |
| WILFRED L SMITH3 | PO BOX 21471 ROANOKE, VA 24018 | AFLAC | $5 | — | $5 | 0.01% |
| BRIAN CUMPTAN3 | 320 9TH STREET SUITE 200 HUNTINGTON, WV 25701 | AFLAC | $4 | — | $4 | 0.01% |
| MARY LEE NICHOLS3 | 317 4TH ST NO. 276 LA CROSSE, WI 54601 | AFLAC | $3 | — | $3 | 0.01% |
| 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 | 762 CHAPEL RIDGE DR PITTSBORO, NC 27312 | AFLAC | $1 | — | $1 | 0.00% |
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 | 8,032 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 815 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,847 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 954 | $7.9M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 14,361 | $7.8M |
| Vision | VISION SERVICE PLAN | 5,891 | $798K |
| Prescription drug(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 306 | $1.6M |
| Other | AFLAC | 104 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,361 | — |
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."
No prospect flags tripped on this filing.