| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | P.O. BOX 162207 ALTAMONTE SPRINGS, FL 32716 | BLUE CROSS OF CALIFORNIA | $148K | — | $148K | 4.31% |
| KNEPPER INSURANCE GROUP3 Filed as: KNEPPER INSURANCE AGENCY, INC. | 221 WEST PATRIOT STREET SOMERSET, PA 15501 | UPMC HEALTH OPTIONS | $62K | — | $62K | 3.63% |
| KNEPPER INSURANCE GROUP3 Filed as: KNEPPER INSURANCE AGENCY, INC. | 221 WEST PATRIOT STREET SOMERSET, PA 15501 | UPMC HEALTH BENEFITS | $8K | — | $8K | 9.39% |
| BONITA H WALKER3 | 2637 WILLOWLAWN ST ROANOKE, VA 24018 | AFLAC | $5K | $100 | $5K | 7.68% |
| MELISSA L KARNES3 | 1002 CANINE CT THAXTON, VA 24174 | AFLAC | $765 | $48 | $813 | 1.28% |
| MELVIN R JONES3 | 3025 ELIOCH MANOR DR POWHATAN, VA 23139 | AFLAC | $593 | — | $593 | 0.94% |
| KEVIN L MARTIN3 | 1534 LINKS VIEW DR SALEM, VA 24153 | AFLAC | $376 | $29 | $405 | 0.64% |
| SHANE M OWEN3 Filed as: SHANE CRAIG DAVISON | 3013 LARGE HOP LN ANTIOCH, TN 37013 | AFLAC | $283 | — | $283 | 0.45% |
| CUNDIFF INSURANCE AGENCY LLC3 | PO BOX 423 WIRTZ, VA 24184 | AFLAC | $254 | — | $254 | 0.40% |
| JEFFREY MAURICE FORD3 | PO BOX 515 CLOVERDALE, VA 24077 | AFLAC | $238 | — | $238 | 0.38% |
| YVONNE B REYNOLDS3 | 121 ROANOKE BLVD SALEM, VA 24153 | AFLAC | $194 | — | $194 | 0.31% |
| HEATHER D HAWLEY3 | 1295 RIGBY ST #B CHRISTIANSBURG, VA 24073 | AFLAC | $180 | — | $180 | 0.28% |
| JOHN A HAWLEY3 | 575 DOBBINS HOLLOW RD NE PILOT, VA 24138 | AFLAC | $144 | — | $144 | 0.23% |
| JAMES C BOOKER3 | 98 KENNA DR CHARLESTON, WV 25309 | AFLAC | $97 | — | $97 | 0.15% |
| DARAN L WYCKOFF3 | PO BOX 31233 SPOKANE, WA 99223 | AFLAC | $44 | — | $44 | 0.07% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $42 | — | $42 | 0.07% |
| AUBREY W DAMRON3 | 355 STONELEDGE DR ROANOKE, VA 24019 | AFLAC | $36 | — | $36 | 0.06% |
| CAROL L BRYANT3 | 6129 HOMEWOOD CIR ROANOKE, VA 24018 | AFLAC | $29 | — | $29 | 0.05% |
| TRAVIS B HAWKINS3 | 125 BOGEY DR ABINGDON, VA 24211 | AFLAC | $28 | — | $28 | 0.04% |
| MICAH L WELLHOFER3 | 749 TIMBER RDG BUCHANAN, VA 24066 | AFLAC | $28 | — | $28 | 0.04% |
| JUDY L MCCULLOUGH3 | PO BOX 449 FOREST, VA 24551 | AFLAC | $28 | — | $28 | 0.04% |
| DAVID N MORGAN3 Filed as: DAVID CLAY BOWICK | 81 GLOUCESTER DR LYNCHBURG, VA 24501 | AFLAC | $23 | — | $23 | 0.04% |
| GARY W GOYER3 | 5463 WINESAP DR ROANOKE, VA 24019 | AFLAC | $21 | — | $21 | 0.03% |
| LAWRENCE ROBEY3 | 1184 DOULTON CIR LYNCHBURG, VA 24503 | AFLAC | $20 | — | $20 | 0.03% |
| MARY T JOYCE3 | PO BOX 21471 ROANOKE, VA 24018 | AFLAC | $16 | — | $16 | 0.03% |
| KRISTINE G WYCKOFF3 | PO BOX 31233 SPOKANE, WA 99223 | AFLAC | $12 | — | $12 | 0.02% |
| PAUL B BROUCHOUD3 | 604 MARK DR DEL CITY, OK 73115 | AFLAC | $12 | — | $12 | 0.02% |
| BERNARD W LANGHEIM3 | 1908 MAYLIN DR SALEM, VA 24153 | AFLAC | $11 | — | $11 | 0.02% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT M GUTHRIE | 14227 N 14TH ST PHOENIX, AZ 85022 | AFLAC | $11 | — | $11 | 0.02% |
| FAY JETER MARTIN3 | 19220 FOREST RD LYNCHBURG, VA 24502 | AFLAC | $11 | — | $11 | 0.02% |
| JUSTIN W DAVIS3 | 300 LIVE OAK CT SALEM, VA 24153 | AFLAC | $7 | — | $7 | 0.01% |
| THOMAS J STEPHENSON3 | 31 STADELMAN CT CARTERSVILLE, GA 30120 | AFLAC | $7 | — | $7 | 0.01% |
| JACKSON D RHODES3 | 2332 VOLUNTEER PKWY BRISTOL, TN 37620 | AFLAC | $6 | — | $6 | 0.01% |
| THOMAS E HATCHER JR3 | 1588 BAY TREE DR HARRELLS, NC 28444 | AFLAC | $6 | — | $6 | 0.01% |
| WILFRED L SMITH3 | PO BOX 21471 ROANOKE, VA 24018 | AFLAC | $5 | — | $5 | 0.01% |
| BRIAN CUMPTAN3 | 320 9TH ST STE 200 HUNTINGTON, WV 25701 | AFLAC | $5 | — | $5 | 0.01% |
| DURWARD W HANCOCK JR3 | PO BOX 3634 NORTH MYRTLE BEACH, SC 29582 | AFLAC | $2 | — | $2 | 0.00% |
| MARY LEE NICHOLS3 | 151 GRANDE VIEW DR APT 35 BILOXI, MS 39531 | AFLAC | $1 | — | $1 | 0.00% |
| GEORGE WILLIAMS3 Filed as: GEORGE LOWNDES WILLIAMS | 208 GRAND PARK BLVD CHARLESTON, SC 29492 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL R MARTIN3 | 32 OLD HICKORY 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 | 8,070 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 780 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,850 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 571 | $5.2M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 13,735 | $8.2M |
| Vision | VISION SERVICE PLAN | 6,149 | $849K |
| Prescription drug(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 357 | $1.8M |
| Other | AFLAC | 93 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,735 | — |
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.