| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 38 ROUSS AVE STE 100 WINCHESTER, VA 226014738 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 3.15% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 38 ROUSS AVE, #100 WINCHESTER, VA 22601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 9.54% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 38 ROUSS AVE #100 WINCHESTER, VA 22601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 12.26% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 38 ROUSS AVE. STE 100 WINCHESTER, VA 226014738 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $75 | — | $75 | 1.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF VIRGINIA EIN 54-0357120 NONE | Other services; Claims processing; Contract Administrator; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $131K |
| ANTHEM HEALTH PLANS OF VIRGINIA,INC | Claims processing; Contract Administrator; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $62K |
| JAMES A SCOTT & SON INC. | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | — | $36K |
| HEALTHKEEPERS, INC EIN 54-1356687 NONE | Other services; Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $21K |
| HEALTHKEEPERS, INC. | Claims processing; Contract Administrator; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $13K |
| JAMES A SCOTT & SON INC NONE | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | PO BOX 10489 LYNCHBURG, VA 24506 | $0 |
| INGENIORX, INC. EIN 82-3062245 NONE | Contract Administrator; Claims processing; Float revenue; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | -$48K |
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 | 183 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 155 | $116K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 126 | $5K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 183 | $12K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 196 | $52K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 183 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.