| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY RD SUITE F GREENSBORO, NC 27409 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $24K | — | $24K | 1.59% |
| BANKERS INSURANCE LLC3 | 4490 COX RD GLEN ALLEN, VA 23060 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $140 | — | $140 | 0.01% |
| MCGRIFF INSURANCE SERVICES INC3 | 1104 AMHERST ST WINCHESTER, VA 22601 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | -$7K | — | -$7K | -0.45% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY RD #F GREENSBORO, NC 27409 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 7.09% |
| BANKERS INSURANCE LLC3 | 801 MAIN ST 9TH FLOOR LYNCHBURG, VA 24504 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 3.13% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB & T INSURANCE SERVICES INC | 113 SOUTH WAYNE AVENUE P. O. BOX 700 WAYNESBORO, VA 22980 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $3K | — | $3K | 3.33% |
| BANKERS INSURANCE LLC3 | 801 MAIN ST 9TH FLOOR LYNCHBURG, VA 24504 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $2K | — | $2K | 1.68% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $569 | — | $569 | 3.38% |
| JOSEPH HENRY GROW III3 | 110 DICKINSON DRIVE BUENA VISTA, VA 24416 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $219 | — | $219 | 1.30% |
| ALTON B BARTON3 Filed as: ALTON B. BARTON | 1911 MAYLIN DRIVE SALEM, VA 24153 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $158 | — | $158 | 0.94% |
| RAYMOND B LINGLE3 Filed as: RAYMOND B. LINGLE | 9812 CONCORD PLACE ROANOKE, VA 24018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $143 | — | $143 | 0.85% |
| JOHN E CUMMINGS3 Filed as: JOHN E. CUMMINGS | 204 QUAYSIDE CIR #501 MAITLAND, FL 32751 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 0.43% |
| LINDA B ALLEN3 Filed as: LINDA B. ALLEN | 110 MOUNTAIN VIEW DRIVE ROCKY MOUNT, VA 24151 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 0.43% |
| CHARLES A DUVALL III3 Filed as: CHARLES A. DUVALL III | 166 PIPPIN STREET ROANOKE, VA 24019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.37% |
| DAVID LAWSON EVANS3 | P. O. BOX 860574 SHAWNEE, KS 66285 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.09% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 305 FIRST STREET STE 200 ROANOKE, VA 24011 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.01% |
| BANKERS INSURANCE LLC3 | 801 MAIN ST 9TH FLOOR LYNCHBURG, VA 24504 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $494 | — | $494 | 3.41% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 3.69% |
| JOSEPH HENRY GROW III3 | 110 DICKINSON DRIVE BUENA VISTA, VA 24416 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 1.65% |
| RAYMOND B LINGLE3 | 3812 CONCORD PLACE ROANOKE, VA 24018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.92% |
| JOHN E CUMMINGS3 | 204 QUAYSIDE CIR #501 MAITLAND, FL 32751 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.46% |
| LINDA B ALLEN3 Filed as: LINDA A ALLEN | 110 MOUNTAIN VIEW DR ROCKY MOUNT, VA 24151 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.46% |
| CHARLES A DUVALL III3 | 166 PIPPIN STREET ROANOKE, VA 24019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.40% |
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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 268 | $1.6M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 145 | $97K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 285 | $14K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 157 | $100K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 157 | $100K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 157 | $100K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 157 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.