| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 4309 EMPEROR BLVD SUITE 300 DURHAM, NC 27703 | HARTFORD LIFE AND ACCIDENT | $16K | — | $16K | 8.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF CA | P.O. BOX 101162 PASADENA, CA 91189 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 1.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA, INC. | 4951 LAKE BROOK DR SUITE 300 GLEN ALLEN, VA 23060 | HARTFORD LIFE AND ACCIDENT | $37 | — | $37 | 0.02% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 274099693 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $5K | 3.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA, INC. | 12882 COLLECTION CENTER DR CHICAGO, IL 606930128 | METROPOLITAN LIFE INSURANCE COMPANY | $511 | $245 | $756 | 0.52% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE STE 201 RALEIGH, NC 27612 | METROPOLITAN LIFE INSURANCE COMPANY | — | $45 | $45 | 0.03% |
| BENEFIT SPECIALISTS OF VA, INC.3 Filed as: BENEFIT SPECIALISTS OF VA INC. | P. O. BOX 2164 POQUOSON, VA 23662 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 12.41% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $749 | — | $749 | 1.64% |
| DORBAND INS. & FIN SVCS INC.3 | 1312 E. LITTLE CREEK ROAD A1 NORFOLK, VA 23518 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $699 | — | $699 | 1.53% |
| MRM & ASSOCS OF AMERICA LTD3 | 762 CHAPEL RIDGE DR. PITTSBORO, NC 27312 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $666 | — | $666 | 1.45% |
| MICHELLE DAWN HYDE LAWSON3 | P. O. BOX 443 LOVINGTON, VA 22949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $666 | — | $666 | 1.45% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 3190 FAIRVIEW PARK DRIVE SUITE 400 FALLS CHURCH, VA 220424546 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $480 | — | $480 | 1.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC. | 4951 LAKE BROOK DRIVE SUITE 300 GLEN ALLEN, VA 23060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $245 | — | $245 | 0.53% |
| THOMAS C SMITH3 Filed as: THOMAS C. SMITH | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $191 | — | $191 | 0.42% |
| KEITH R. DORBAND3 | 1312 E. LITTLE CREEK ROAD SUITE 1A NORFOLK, VA 23518 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $190 | — | $190 | 0.41% |
| GEORGE BUDD3 | 4609 REVERE DRIVE VIRGINIA BEACH, VA 23456 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $152 | — | $152 | 0.33% |
| LEONARD J. AMENT3 | 3115 WESTERN BRANCH BLVD. SUITE 105 CHESAPEAKE, VA 23321 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 0.05% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3201 BEECHLEAF CT STE 200 RALEIGH, NC 27604 | VISION SERVICE PLAN | $1K | — | $1K | 3.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA, INC. | 12882 COLLECTION CENTER DR CHICAGO, IL 60693 | VISION SERVICE PLAN | $59 | — | $59 | 0.20% |
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 | 274 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 518 | $144K |
| Vision | VISION SERVICE PLAN | 197 | $29K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 281 | $205K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 281 | $205K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 281 | $205K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 288 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 518 | — |
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.
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.