| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | OPTIMA HEALTH PLAN | $16K | — | $16K | 2.24% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 17370 RICHMOND, VA 23226 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 11.42% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 168 WINSTON-SALEM, NC 27102 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.03% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 1 COLUMBUS CENTER SUITE 202 VIRGINIA BEACH, VA 23462 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $2K | — | $2K | 1.98% |
| THE INSURANCE GROUP3 Filed as: INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | OPTIMA HEALTH INSURANCE COMPANY | $1K | — | $1K | 2.25% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 27612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 67.49% |
| MCGRIFF INSURANCE SERVICES INC3 | 1104 AMHERST ST WINCHESTER, VA 22601 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $1K | $178 | $1K | 10.41% |
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 | 218 | 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) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 161 | $772K |
| Dental(2 contracts) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 152 | $95K |
| Vision(3 contracts, 3 carriers) | OPTIMA HEALTH PLAN | 161 | $785K |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 227 | $83K |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 227 | $83K |
| Prescription drug(2 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 161 | $772K |
| Other(3 contracts, 3 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 227 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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."
No prospect flags tripped on this filing.