| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE INSURANCE GROUP3 Filed as: INSURANCE SERVICES INC | 125 N CENTRAL AVE 2 FL STAUNTON, VA 24401 | SENTARA HEALTH PLAN | $10K | — | $10K | 4.78% |
| THE INSURANCE GROUP3 Filed as: INSURANCE SERVICES INC. | 125 N CENTRAL AVE 2 FL STAUNTON, VA 24401 | SENTARA HEALTH PLAN | $5K | — | $5K | 3.34% |
| THE INSURANCE GROUP3 Filed as: INSURANCE SERVICES INC | 125 N CENTRAL AVE, 2 FL STAUNTON, VA 24401 | SENTARA HEALTH PLAN | $4K | — | $4K | 3.31% |
| THE INSURANCE GROUP3 Filed as: INSURANCE SERVICES INC | 125 N CENTRAL AVE 2 FL STAUNTON, VA 24401 | SENTARA HEALTH PLAN | $3K | — | $3K | 2.56% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 10 FRANKLIN RD SE FL 1 ROANOKE, VA 24011 | DELTA DENTAL OF VIRGINIA | $2K | — | $2K | 3.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | SUITE 1500 HOUSTON, TX 77002 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $8K | $8K | 26.26% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | SUITE 300 CHARLOTTESVILLE, VA 22903 | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 550 S CALDWELL ST STE 1500 CHARLOTTE, NC 282023313 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 22.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 550 S CALDWELL ST STE 1500 CHARLOTTE, NC 282023313 | CONTINENTAL AMERICAN INSURANCE COMPANY | $327 | — | $327 | 1.22% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | CONTINENTAL AMERICAN INSURANCE COMPANY | $325 | — | $325 | 1.21% |
| CHRISTOPHER S BALL3 | 2599 PATMOS CHURCH RD HUDDLESTON, VA 24104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $104 | — | $104 | 0.39% |
| PAMELA SHIELDS COLE3 | 185 S WOODLAND AVENUE BUENA VISTA, VA 24416 | CONTINENTAL AMERICAN INSURANCE COMPANY | $53 | — | $53 | 0.20% |
| KIMBERLY FITZGERALD HAND3 | 7358 CATENA LANE MYRTLE BEACH, SC 29572 | CONTINENTAL AMERICAN INSURANCE COMPANY | $53 | — | $53 | 0.20% |
| DUANE A ADAMS3 Filed as: DUANE ALLEN ADAMS | 493 BAILEY DRIVE LOUISA, VA 23093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.10% |
| FAY JETER MARTIN3 | 9 FITZGERALD ROAD CUMBERLAND, VA 23040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.09% |
| JUDY L MCCULLOUGH3 | 5182 THOMAS JEFFERSONRD FOREST, VA 24551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.08% |
| MELISSA L KARNES3 Filed as: MELISSA LEIGH KARNES | 1002 CANINE CT THAXTON, VA 24174 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.08% |
| JUSTIN W DAVIS3 Filed as: JUSTIN WAYNE DAVIS | 300 LIVE OAK CT SALEM, VA 241534566 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.08% |
| CODY MOSS3 Filed as: CODY LEE MOSS | 2203 GLENMORE RD SCOTTSVILLE, VA 245905373 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.04% |
| RUTH PELCHAT YOUNG3 | 205 WIGGINGTON RD LYNCHBURG, VA 245024621 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| AMELIA KAY SAULS MORGAN3 | 1904 ELLIS DRIVE MAIDENS, VA 23102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| RUSSELL W TINNEY3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 47 AIRPARK CT PO BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP | — | $434 | $434 | 3.69% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 10 FRANKLIN RD SE STE 100 ROANOKE, VA 240112113 | AMERITAS LIFE INSURANCE CORP | $392 | — | $392 | 3.33% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts) | SENTARA HEALTH PLAN | 38 | $644K |
| Dental | DELTA DENTAL OF VIRGINIA | 112 | $43K |
| Vision | AMERITAS LIFE INSURANCE CORP | 140 | $12K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 179 | $31K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 179 | $31K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 179 | $31K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 179 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.