| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE LLC | — | DELTA DENTAL OF VIRGINIA | $6K | $0 | $6K | 2.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC - ROANOKE | PO BOX 12748 ROANOKE, VA 24028 | DELTA DENTAL OF VIRGINIA | $12 | $0 | $12 | 0.01% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $34K | $8K | $42K | 30.85% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SVCS INC | — | CALIFORNIACHOICE | $6K | $0 | $6K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $5K | $15K | 15.10% |
| MCGRIFF INSURANCE SERVICES INC3 | 999 SHADY GROVE STE 200 MEMPHIS, TN 38119 | SUN LIFE ASSURANCE COMPANY OF CANADA | $35K | $3K | $37K | 37.63% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA BLVD, PA 19406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $668 | $0 | $668 | 0.67% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $23K | $5K | $28K | 30.98% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $4K | $12K | 22.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | PO BOX 896620 CHARLOTTE, NC 28289 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $4K | $535 | $5K | 9.74% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $2K | $12K | 30.45% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | — | COMBINED INSURANCE | $6K | $0 | $6K | 42.00% |
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 | 441 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 443 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIACHOICE | 14 | $116K |
| Dental | DELTA DENTAL OF VIRGINIA | 797 | $215K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 1,429 | $49K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 626 | $238K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $91K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 251 | $94K |
| Other(6 contracts, 5 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,429 | $436K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,429 | — |
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.