| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $24K | $24K | 1.74% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | P.O. BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $18K | $18K | 1.26% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | $5K | $471 | $6K | 10.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | $2K | — | $2K | 3.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | 125 N CENTRAL AVE. 2ND FL STAUTON, VA 24401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 9.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | PO BOX 890635 CHARLOTTE, NC 282890635 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 5.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | 125 N CENTRAL AVE. 2ND FL STAUTON, VA 24401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | PO BOX 890635 CHARLOTTE, NC 282890635 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 5.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | 125 N CENTRAL AVE. 2ND FL STAUTON, VA 24401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 16.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | PO BOX 890635 CHARLOTTE, NC 282890635 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 5.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | 125 N CENTRAL AVE. 2ND FL STAUTON, VA 24401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $359 | — | $359 | 9.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | PO BOX 890635 CHARLOTTE, NC 282890635 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $195 | $195 | 4.98% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 102 | $1.4M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 163 | $55K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 163 | $1.5M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 310 | $52K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 116 | $22K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 75 | $27K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 236 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.