| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 7701 AIRPORT CENTER DRIVE GREENSBORO, NC 27409 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $23K | — | $23K | 3.51% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE NORFOLK, VA 23510 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | -$25 | -$5 | -$30 | -0.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 10 FRANKLIN RD SE FL 1 ROANOKE, VA 24011 | DELTA DENTAL OF VIRGINIA | $3K | — | $3K | 7.57% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 21.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 7.29% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 550 S CALDWELL ST STE 1500 CHARLOTTE, NC 282023313 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | — | $12K | 44.99% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | CONTINENTAL AMERICAN INSURANCE COMPANY | $95 | — | $95 | 0.36% |
| JUSTIN W DAVIS3 Filed as: JUSTIN WAYNE DAVIS | 300 LIVE OAK CT SALEM, VA 241534566 | CONTINENTAL AMERICAN INSURANCE COMPANY | $92 | — | $92 | 0.34% |
| JUDY L MCCULLOUGH3 | 5182 THOMAS JEFFERSONRD FOREST, VA 24551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $90 | — | $90 | 0.34% |
| MELISSA L KARNES3 Filed as: MELISSA LEIGH KARNES | 1002 CANINE CT THAXTON, VA 24174 | CONTINENTAL AMERICAN INSURANCE COMPANY | $90 | — | $90 | 0.34% |
| CHRISTOPHER S BALL3 | 2599 PATMOS CHURCH RD HUDDLESTON, VA 24104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74 | — | $74 | 0.28% |
| PAMELA SHIELDS COLE3 | 185 S WOODLAND AVENUE BUENA VISTA, VA 24416 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | — | $65 | 0.24% |
| KIMBERLY FITZGERALD HAND3 | 7358 CATENA LANE MYRTLE BEACH, SC 29572 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | — | $65 | 0.24% |
| FAY JETER MARTIN3 | 9 FITZGERALD ROAD CUMBERLAND, VA 23040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.10% |
| RUTH PELCHAT YOUNG3 | 205 WIGGINGTON RD LYNCHBURG, VA 245024621 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.07% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.07% |
| CODY MOSS3 Filed as: CODY LEE MOSS | 2203 GLENMORE RD SCOTTSVILLE, VA 245905373 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.04% |
| DUANE A ADAMS3 Filed as: DUANE ALLEN ADAMS | 493 BAILEY DRIVE LOUISA, VA 23093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| AMELIA KAY SAULS MORGAN3 | 1904 ELLIS DRIVE MAIDENS, VA 23102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 21.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 6.30% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE INC | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 6.02% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $967 | $967 | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 47 AIRPARK CT PO BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP | — | $388 | $388 | 3.69% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | AMERITAS LIFE INSURANCE CORP | — | $115 | $115 | 1.09% |
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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 92 | $650K |
| Dental | DELTA DENTAL OF VIRGINIA | 120 | $45K |
| Vision | AMERITAS LIFE INSURANCE CORP | 147 | $11K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 136 | $19K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 52 | $34K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 38 | $20K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 60 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.