| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 1104 AMHERST STREET WINCHESTER, VA 22601 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $41K | — | $41K | 2.37% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | DELTA DENTAL OF VIRGINIA | $11K | — | $11K | 4.73% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 328 S. MAIN STREET HARRISONBURG, VA 228013628 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 6.51% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 328 S. MAIN STREET HARRISONBURG, VA 228013628 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.69% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 328 S. MAIN STREET HARRISONBURG, VA 22801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 7.44% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 328 S. MAIN STREET HARRISONBURG, VA 22801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.63% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 328 S. MAIN STREET HARRISONBURG, VA 22801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 8.45% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 328 S. MAIN STREET HARRISONBURG, VA 22801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $961 | $961 | 2.21% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3201 BEECHLEAF COURT SUITE 200 RALEIGH, NC 276041547 | VISION SERVICE PLAN | $1K | — | $1K | 4.96% |
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 | 340 | 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) | 341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 344 | $1.7M |
| Dental | DELTA DENTAL OF VIRGINIA | 595 | $234K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 344 | $1.8M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 343 | $44K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 343 | $56K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 344 | $73K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 343 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 595 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.