| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FINANCIAL GROUP OF VIRGINIA3 | 100 EASTSHORE DRIVE STE 300 GLEN ALLEN, VA 23059 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $47K | $47K | 3.00% |
| THE FINANCIAL GROUP OF VIRGINIA3 | 100 EASTSHORE DR STE 300 GLEN ALLEN, VA 230595758 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 6.62% |
| THE FINANCIAL GROUP OF VA3 | 100 EASTSHORE DRIVE STE 300 GLEN ALLEN, VA 23059 | AFLAC | $4K | — | $4K | 10.16% |
| TAMMY MARIE MINOR3 | PO BOX 369 LADYSMITH, VA 22501 | AFLAC | $2K | $1K | $4K | 9.76% |
| JOSHUA C BURTON3 | 4198 COX ROAD STE 113 GLEN ALLEN, VA 23060 | AFLAC | $660 | $207 | $867 | 2.42% |
| LOREN FENNER3 | 7816 MILLIKIN LANE MECHANICSVILLE, VA 23116 | AFLAC | $489 | $207 | $696 | 1.94% |
| BRENDA M MALANEY GORE3 | 319 WILDBERRY LANE DURHAM, NC 27705 | AFLAC | $4 | — | $4 | 0.01% |
| THE FINANCIAL GROUP OF VA3 | 100 EASTSHORE DRIVE STE 300 GLEN ALLEN, VA 23059 | AFLAC | $4K | — | $4K | 14.36% |
| TAMMY MARIE MINOR3 | PO BOX 369 LADYSMITH, VA 22501 | AFLAC | $3K | $611 | $4K | 12.85% |
| JOSHUA C BURTON3 | 4198 COX ROAD STE 113 GLEN ALLEN, VA 23060 | AFLAC | $770 | $125 | $895 | 2.91% |
| LOREN FENNER3 | 7816 MILLIKIN LANE MECHANICSVILLE, VA 23116 | AFLAC | $305 | $125 | $430 | 1.40% |
| THE FINANCIAL GROUP OF VIRGINIA3 | 100 EASTSHORE DRIVE GLEN ALLEN, VA 23059 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 9.84% |
| THE FINANCIAL GROUP OF VA3 | 100 EASTSHORE DRIVE STE 300 GLEN ALLEN, VA 23059 | AFLAC | $2K | — | $2K | 20.46% |
| TAMMY MARIE MINOR3 | PO BOX 369 LADYSMITH, VA 22501 | AFLAC | $1K | $141 | $2K | 18.72% |
| JOSHUA C BURTON3 | 4198 COX ROAD STE 113 GLEN ALLEN, VA 23060 | AFLAC | $287 | $33 | $320 | 3.80% |
| MARTHA HANES GOODWIN3 | 16785 W JAMES ANDERSON HWY BUCKINGHAM, VA 23921 | AFLAC | $3 | — | $3 | 0.04% |
| LEWIS PAUL GILES3 | PO BOX 39 RINGGOLD, VA 24586 | AFLAC | $1 | — | $1 | 0.01% |
| CODY MOSS3 Filed as: CODY LEE MOSS | 2203 GLENMORE ROAD SCOTTSVILLE, VA 24590 | AFLAC | $1 | — | $1 | 0.01% |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 136 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 357 | $171K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 191 | $16K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 357 | $171K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 357 | $171K |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 357 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.