| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282906620 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $29K | $186K | $215K | 4.35% |
| MCGRIFF INSURANCE SERVICES INC3 | 7391 HODGSON MEMORIAL DRIVE SUITE 100 SAVANNAH, GA 31406 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $35K | $11K | $46K | 9.99% |
| ELAINE COX3 Filed as: ELAINE MCCLELLAND | 4312 GRANADA ST ALEXANDRIA, VA 22309 | AFLAC | $2K | $137 | $2K | 5.90% |
| ELIZABETH B BOWDRING3 | 8617 FORT HUNT RD ALEXANDRIA, VA 22308 | AFLAC | $1K | — | $1K | 3.04% |
| JOHN C KAUTTER3 | 14155 NEWBROOK DR STE 130 CHANTILLY, VA 20151 | AFLAC | $646 | $32 | $678 | 1.88% |
| DIVYA JAIN3 | 4401 FAIR LAKES CT STE 304 FAIRFAX, VA 22033 | AFLAC | $439 | $32 | $471 | 1.30% |
| DIVYA JAIN3 | 14155 NEWBROOK DR STE 130 CHANTILLY, VA 20151 | AFLAC | $346 | — | $346 | 0.96% |
| 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 | $4K | — | $4K | 10.79% |
| ELAINE COX3 Filed as: ELAINE MCCLELLAND | 4312 GRANADA ST ALEXANDRIA, VA 22314 | AFLAC | $590 | $166 | $756 | 8.32% |
| JOHN C KAUTTER3 | 14155 NEWBROOK DR STE 130 CHANTILLY, VA 20151 | AFLAC | $261 | $39 | $300 | 3.30% |
| DIVYA JAIN3 | 4401 FAIR LAKES CT STE 304 FAIRFAX, VA 22033 | AFLAC | $117 | $39 | $156 | 1.72% |
| ELIZABETH B BOWDRING3 | 8617 FORT HUNT RD ALEXANDRIA, VA 22308 | AFLAC | $123 | — | $123 | 1.35% |
| DIVYA JAIN3 | 14155 NEWBROOK DR STE 130 CHANTILLY, VA 20151 | AFLAC | $69 | — | $69 | 0.76% |
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 | 508 | 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) | 508 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 417 | $4.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 417 | $4.9M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 635 | $5.0M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 540 | $460K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 540 | $460K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 540 | $460K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 540 | $505K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 635 | — |
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."
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.