| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | PO BOX 12748 ROANOKE, VA 24028 | OPTIMA HEALTH PLAN | $4K | $0 | $4K | 0.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | PO BOX 12748 ROANOKE, VA 24028 | OHIC OOA IND | $1K | $0 | $1K | 0.82% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | PO BOX 896620 CHARLOTTE, NC 28289 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $2K | $640 | $3K | 2.81% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $1K | $0 | $1K | 1.17% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | EB COMMISSIONS PO BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 9.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $995 | $0 | $995 | 3.78% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | EB COMMISSIONS PO BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 9.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 5.97% |
| MCGRIFF INSURANCE SERVICES INC3 | 214 N TRYON ST STE 46 CHARLOTTE, NC 28202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 28.49% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | EB COMMISSIONS PO BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $468 | $0 | $468 | 8.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $404 | $0 | $404 | 6.95% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | OPTIMA HEALTH PLAN | 236 | $870K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 454 | $107K |
| Vision(5 contracts, 3 carriers) | OPTIMA HEALTH PLAN | 454 | $976K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 261 | $26K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 261 | $26K |
| Prescription drug(4 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 236 | $869K |
| Other(4 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 261 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 454 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.