| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P O BOX 17370 RICHMOND, VA 23226 | DELTA DENTAL OF VIRGINIA | $6K | — | $6K | 2.49% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 274099693 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $43K | — | $43K | 25.00% |
| RUTHERFORD FINANCIAL SERVICES INC.3 Filed as: MCGRFF INSURANCE SERVICES INC | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 274099693 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 274099693 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $25K | — | $25K | 25.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 282696620 | CALIFORNIACHOICE | $4K | — | $4K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 274099693 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3975 FAIR RIDGE DRIVE FAIRFAX, VA 22033 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 10.11% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 274099693 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 25.00% |
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 | 727 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 738 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIACHOICE | 14 | $78K |
| Dental | DELTA DENTAL OF VIRGINIA | 935 | $247K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 751 | $45K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 772 | $274K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 203 | $101K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 320 | $92K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 772 | $338K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 935 | — |
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.