| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 274099693 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $410 | $162K | $163K | 4.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28290 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $9K | $9K | 0.21% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE SUITE 201 RALEIGH, NC 276124959 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $38K | $17K | $55K | 8.08% |
| ELIZABETH B BOWDRING3 | 8617 FORT HUNT RD ALEXANDRIA, VA 22308 | AFLAC | $2K | $146 | $2K | 5.03% |
| ELAINE COX3 Filed as: ELAINE MCCLELLAND | 113 S WEST ST STE 202 ALEXANDRIA, VA 22314 | AFLAC | $1K | $167 | $1K | 4.23% |
| ELAINE COX3 Filed as: ELAINE MCCLELLAND | 4401 FAIR LAKES CT STE 304 FAIRFAX, VA 22033 | AFLAC | $1K | — | $1K | 3.29% |
| DIVYA JAIN3 | 4401 FAIR LAKES CT STE 304 FAIRFAX, VA 22033 | AFLAC | $706 | $73 | $779 | 2.26% |
| JOHN C KAUTTER3 | 4401 FAIR LAKES CT STE 304 FAIRFAX, VA 22033 | AFLAC | $121 | — | $121 | 0.35% |
| JOHN C KAUTTER3 | 14155 NEWBROOK DR STE 130 CHANTILLY, VA 20151 | AFLAC | $91 | — | $91 | 0.26% |
| MCGRIFF INSURANCE SERVICES INC3 | 3975 FAIR RIDGE DRIVE SUITE #110N FAIRFAX, VA 22033 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO | $3K | — | $3K | 10.90% |
| ELAINE COX3 Filed as: ELAINE MCCLELLAND | 4401 FAIR LAKES CT STE 304 FAIRFAX, VA 22033 | AFLAC | $214 | — | $214 | 6.17% |
| ELIZABETH B BOWDRING3 | 8617 FORT HUNT RD ALEXANDRIA, VA 22308 | AFLAC | $141 | — | $141 | 4.07% |
| DIVYA JAIN3 | 4401 FAIR LAKES CT STE 304 FAIRFAX, VA 22033 | AFLAC | $76 | — | $76 | 2.19% |
| ELAINE COX3 Filed as: ELAINE MCCLELLAND | 113 S WEST ST STE 202 ALEXANDRIA, VA 22314 | AFLAC | $70 | — | $70 | 2.02% |
| JOHN C KAUTTER3 | 14155 NEWBROOK DR STE 130 CHANTILLY, VA 20151 | AFLAC | $20 | — | $20 | 0.58% |
| JOHN C KAUTTER3 | 4401 FAIR LAKES CT STE 304 FAIRFAX, VA 22033 | AFLAC | $20 | — | $20 | 0.58% |
| ROBIN STROUD3 Filed as: ROBIN L STROUD | PO BOX 2768 WOODBRIDGE, VA 22195 | AFLAC | $7 | — | $7 | 0.20% |
| KAREN E ALTMIRE3 | 2275 RESEARCH BLVD STE 500 ROCKVILLE, MD 20850 | AFLAC | $5 | — | $5 | 0.14% |
| DANIEL E ALTMIRE3 | 12800 MIDDLEBROOK RD STE 490 GERMANTOWN, MD 20874 | AFLAC | $2 | — | $2 | 0.06% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $1 | — | $1 | 0.03% |
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 | 462 | 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) | 462 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 370 | $4.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 484 | $676K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 554 | $4.1M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 484 | $676K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 484 | $676K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 484 | $676K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 484 | $714K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 554 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.