| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY RD SUITE F GREENSBORO, NC 27409 | OPTIMA HEALTH PLAN | $14K | — | $14K | 11.19% |
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL SERVICES | 2940 N. LYNNHAVEN ROAD SUITE 100 VIRGINIA BEACH, VA 23452 | HARTFORD LIFE AND ACCIDENT | $12K | — | $12K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY SUITE F GREENSBORO, NC 27409 | OPTIMA HEALTH PLAN | $12K | — | $12K | 12.50% |
| BB&T INSURANCE SERVICES, INC.3 | ONE COLUMBUS CENTER SUITE 202 VIRGINIA BEACH, VA 23462 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $5K | — | $5K | 7.05% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY RD SUITE F GREENSBORO, NC 27409 | OHIC PPO | $5K | — | $5K | 9.72% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 11.80% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVENUE SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 11.31% |
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 | 231 | 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) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(15 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 40 | $771K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 146 | $75K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 230 | $124K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 230 | $124K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 230 | $124K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 230 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.