| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD STE F GREENSBORO, NC 27409 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $35K | $37K | 1.71% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 414 GALLIMORE DAIRY RD # 414 GREENSBORO, NC 27409 | UNITED HEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 0.07% |
| MCGRIFF INSURANCE SERVICES INC3 | 1104 AMHERST ST WINCHESTER, VA 22601 | ANTHEM LIFE INSURANCE COMPANY | $9K | $4K | $13K | 11.62% |
| MCGRIFF INSURANCE SERVICES INC3 | 543 S EVANS ST GREENVILLE, NC 27858 | ANTHEM LIFE INSURANCE COMPANY | $3K | — | $3K | 2.52% |
| MCGRIFF INSURANCE SERVICES INC3 | 328 S MAIN STREET HARRISONBURG, VA 22801 | SUN LIFE ASSSURANCE COMPANY OF CANADA | $8K | — | $8K | 57.31% |
| MCGRIFF INSURANCE SERVICES INC3 | P O BOX 17370 RICHMOND, VA 23226 | HARTFORD LIFE AND ACCIDENT | $113 | — | $113 | 15.07% |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 395 | $2.2M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 395 | $2.2M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 209 | $111K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 209 | $111K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 209 | $111K |
| Other(5 contracts, 5 carriers) | ANTHEM LIFE INSURANCE COMPANY | 215 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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.
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.