| 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 | $36K | $263K | $299K | 4.44% |
| MCGRIFF INSURANCE SERVICES INC3 | 7391 HODGSON MEMORIAL DRIVE SUITE 100 SAVANNAH, GA 31406 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $40K | $12K | $52K | 9.85% |
| 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 | 9.88% |
| ELAINE COX3 Filed as: ELAINE MCCLELLAND | 4312 GRANADA ST ALEXANDRIA, VA 22309 | AFLAC | $728 | $20 | $748 | 3.22% |
| ELIZABETH B BOWDRING3 | 8617 FORT HUNT RD ALEXANDRIA, VA 22308 | AFLAC | $704 | — | $704 | 3.03% |
| DIVYA JAIN3 | 14155 NEWBROOK DR STE 130 CHANTILLY, VA 20151 | AFLAC | $411 | $5 | $416 | 1.79% |
| JOHN C KAUTTER3 | 14155 NEWBROOK DR STE 130 CHANTILLY, VA 20151 | AFLAC | $281 | $5 | $286 | 1.23% |
| ELAINE COX3 Filed as: ELAINE MCCLELLAND | 4312 GRANADA ST ALEXANDRIA, VA 22314 | AFLAC | $871 | — | $871 | 9.82% |
| JOHN C KAUTTER3 | 14155 NEWBROOK DR STE 130 CHANTILLY, VA 20151 | AFLAC | $305 | — | $305 | 3.44% |
| DIVYA JAIN3 | 14155 NEWBROOK DR STE 130 CHANTILLY, VA 20151 | AFLAC | $213 | — | $213 | 2.40% |
| ELIZABETH B BOWDRING3 | 8617 FORT HUNT RD ALEXANDRIA, VA 22308 | AFLAC | $114 | — | $114 | 1.29% |
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 | 668 | 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) | 668 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 501 | $6.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 501 | $6.7M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 828 | $6.8M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 668 | $530K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 668 | $530K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 668 | $530K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 668 | $562K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 828 | — |
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.