| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $23K | $946 | $24K | 5.16% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE, INC. | 3975 FAIR RIDGE DRIVE #110 NORTH BUILDING FAIRFAX, VA 22033 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 2.39% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3975 FAIR RIDGE DRIVE #110 NORTH BUILDING FAIRFAX, VA 22033 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 4.70% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3975 FAIR RIDGE DRIVE #110 NORTH BUILDING FAIRFAX, VA 22033 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 4.44% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE ERVICES | 3975 FAIR RIDGE DR STE 110 FAIRFAX, VA 220332911 | AMERITAS LIFE INSURANCE CORP. | $7K | — | $7K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 47 AIRPARK CT GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP. | — | $2K | $2K | 2.29% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3975 FAIR RIDGE DRIVE #110 NORTH BUILDING FAIRFAX, VA 22033 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | P.O. BOX 17380 RICHMOND, VA 23226 | LEGAL RESOURCES | $170 | — | $170 | 0.61% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3975 FAIR RIDGE DRIVE #110 NORTH BUILDING FAIRFAX, VA 22033 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3975 FAIR RIDGE DRIVE #110 NORTH BUILDING FAIRFAX, VA 22033 | RELIANCE STANDARD LIFE INSURANE COMPANY | $4K | — | $4K | 100.00% |
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 | 631 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 634 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 574 | $460K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 1,260 | $69K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 545 | $161K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 545 | $93K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 642 | $108K |
| Other(5 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 545 | $243K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,260 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.