| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVEVIC BENEFIT CONSULTANTS, INC.3 Filed as: DAVEVIC BENEFIT CONSULTANTS | 902 SOUTH CENTER ST. PO BOX 976 GROVE CITY, PA 16127 | UPMC HEALTH OPTIONS | $81K | — | $81K | 3.97% |
| DAVEVIC BENEFIT CONSULTANTS, INC.3 Filed as: DAVEVIC BENEFIT CONSULTANTS | 902 SOUTH CENTER ST. PO BOX 976 GROVE CITY, PA 16127 | UPMC HEALTH BENEFITS | $9K | — | $9K | 9.23% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | METLIFE LEGAL PLANS, INC. | $7K | $541 | $8K | 10.23% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62989 VIRGINA BEACH, VA 23466 | METLIFE LEGAL PLANS, INC. | — | $542 | $542 | 0.72% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DR, STE 400 VALHALLA, NY 10595 | METLIFE LEGAL PLANS, INC. | — | $81 | $81 | 0.11% |
| BONITA H WALKER3 | 2637 WILLOWLAWN ST ROANOKE, VA 24018 | AFLAC | $3K | $19 | $3K | 6.02% |
| MELISSA L KARNES3 | PO BOX 384 DALEVILLE, VA 24083 | AFLAC | $1K | $30 | $1K | 2.46% |
| MELVIN R JONES3 | 3025 ELIOCH MANOR DR POWHATAN, VA 23139 | AFLAC | $377 | — | $377 | 0.74% |
| KEVIN L MARTIN3 | 1534 LINKS VIEW DR SALEM, VA 24153 | AFLAC | $223 | — | $223 | 0.44% |
| JUDY L MCCULLOUGH3 | PO BOX 449 FOREST, VA 24551 | AFLAC | $203 | $15 | $218 | 0.43% |
| SHANE M OWEN3 Filed as: SHANE CRAIG DAVISON | 3013 LARGE HOP LN ANTIOCH, TN 37013 | AFLAC | $167 | — | $167 | 0.33% |
| YVONNE B REYNOLDS3 | 121 ROANOKE BLVD SALEM, VA 24153 | AFLAC | $139 | — | $139 | 0.27% |
| SANDRA M CUNDIFF3 | PO BOX 254, BOOKER T WASHINGTON HWY WIRTZ, VA 24184 | AFLAC | $133 | — | $133 | 0.26% |
| JEFFREY MAURICE FORD3 | 201 E CLEVELAND AVE VINTON, VA 24179 | AFLAC | $130 | — | $130 | 0.26% |
| HEATHER D HAWLEY3 | 6818 SAHALEE CIR RADFORD, VA 24141 | AFLAC | $104 | — | $104 | 0.20% |
| JOHN A HAWLEY3 | 575 DOBBINS HOLLOW RD NE PILOT, VA 24138 | AFLAC | $89 | — | $89 | 0.18% |
| JAMES C BOOKER3 | 98 KENNA DR CHARLESTON, WV 25309 | AFLAC | $38 | — | $38 | 0.07% |
| DARAN L WYCKOFF3 | PO BOX 31233 SPOKANE, WA 99223 | AFLAC | $27 | — | $27 | 0.05% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $27 | — | $27 | 0.05% |
| CAROL L BRYANT3 | 2187 JOPPA MILL RD BEDFORD, VA 24523 | AFLAC | $26 | — | $26 | 0.05% |
| MICAH L WELLHOFER3 | 749 TIMBER RDG BUCHANAN, VA 24066 | AFLAC | $24 | — | $24 | 0.05% |
| LAWRENCE ROBEY3 | 1184 DOULTON CIR LYNCHBURG, VA 24503 | AFLAC | $17 | — | $17 | 0.03% |
| MARY T JOYCE3 | 408 HORSEPASTURE PRICE RD RIDGEWAY, VA 24148 | AFLAC | $15 | — | $15 | 0.03% |
| AUBREY W DAMRON3 | 355 STONELEDGE DR ROANOKE, VA 24019 | AFLAC | $10 | — | $10 | 0.02% |
| FAY JETER MARTIN3 | 19206 FOREST RD LYNCHBURG, VA 24502 | AFLAC | $9 | — | $9 | 0.02% |
| GARY W GOYER3 | 5463 WINESAP DR ROANOKE, VA 24019 | AFLAC | $9 | — | $9 | 0.02% |
| TRAVIS B HAWKINS3 | 125 BOGEY DR ABINGDON, VA 24211 | AFLAC | $9 | — | $9 | 0.02% |
| PAUL B BROUCHOUD3 | 604 MARK DR DEL CITY, OK 73115 | AFLAC | $7 | — | $7 | 0.01% |
| KRISTINE G WYCKOFF3 | PO BOX 31233 SPOKANE, WA 99223 | AFLAC | $7 | — | $7 | 0.01% |
| JUSTIN W DAVIS3 | 300 LIVE OAK CT SALEM, VA 24153 | AFLAC | $5 | — | $5 | 0.01% |
| THOMAS J STEPHENSON3 | 31 STADELMAN CT CARTERSVILLE, GA 30120 | AFLAC | $5 | — | $5 | 0.01% |
| JACKSON D RHODES3 | 2332 VOLUNTEER PKWY BRISTOL, TN 37620 | AFLAC | $5 | — | $5 | 0.01% |
| WILFRED L SMITH3 | PO BOX 21471 ROANOKE, VA 24018 | AFLAC | $5 | — | $5 | 0.01% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT M GUTHRIE | 436 LONE STAR LN HIDEAWAY, TX 75771 | AFLAC | $5 | — | $5 | 0.01% |
| BRIAN CUMPTAN3 | 320 9TH ST STE 200 HUNTINGTON, WV 25701 | AFLAC | $3 | — | $3 | 0.01% |
| THOMAS E HATCHER JR3 | 1588 BAY TREE DR HARRELLS, NC 28444 | AFLAC | $2 | — | $2 | 0.00% |
| DURWARD W HANCOCK JR3 | PO BOX 3634 NORTH MYRTLE BEACH, SC 29582 | AFLAC | $2 | — | $2 | 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 | 9,926 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,926 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UPMC HEALTH OPTIONS | 351 | $2.0M |
| Dental | UPMC HEALTH BENEFITS | 372 | $101K |
| Vision | VISION SERVICE PLAN | 8,103 | $1.0M |
| Prescription drug | UPMC HEALTH OPTIONS | 351 | $2.0M |
| Other(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS, INC. | 9,137 | $208K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,137 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.