| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 1104 AMHERST ST WINCHESTER, VA 22601 | ANTHEM LIFE INSURANCE COMPANY | $19K | $6K | $25K | 14.36% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 310 1ST ST SW STE 201 ROANOKE, VA 24011 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 1104 AMHERST STREET WINCHESTER, VA 22601 | DELTA DENTAL OF CALIFORNIA | $680 | — | $680 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PIEDMONT COMMUNITY HEALTH PLAN NONE | Contract Administrator; Claims processing Service code 12 | 2316 ATHERHOLT ROAD LYNCHBURG, VA 24501 | $213K |
| DELTA DENTAL OF CALIFORNIA EIN 94-1461312 NONE | Contract Administrator Service code 13 | — | $45K |
| DELTA DENTAL PLAN OF VIRGINIA EIN 54-0844477 NONE | Contract Administrator Service code 13 | — | $24K |
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 | 1,049 | 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) | 1,049 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 496 | $4.5M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 445 | $246K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 475 | $24K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 1,049 | $173K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 1,049 | $173K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 1,049 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,049 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.