| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | OPTIMA HEALTH PLAN | $9K | — | $9K | 1.54% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 61007 VIRGINIA BEACH, VA 23466 | OPTIMA HEALTH PLAN | $4K | — | $4K | 0.63% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | P. O. BOX 211486 COLUMBIA, SC 29221 | OPTIMA HEALTH PLAN | $2K | — | $2K | 0.33% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | OPTIMA HEALTH PLAN | $9K | — | $9K | 1.56% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 61007 VIRGINIA BEACH, VA 23466 | OPTIMA HEALTH PLAN | $4K | — | $4K | 0.61% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT COMPANY INC. | P. O. BOX 211486 COLUMBIA, SC 29221 | OPTIMA HEALTH PLAN | $2K | — | $2K | 0.33% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 274099693 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | $2K | $15K | 7.02% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P. O. BOX 211486 COLUMBIA, SC 292216486 | PRINCIPAL LIFE INSURANCE COMPANY | — | $7K | $7K | 3.05% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 ATTN MID ATLANTIC VIRGINIA BEACH, VA 234661007 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 1.75% |
| MICHELLE DAWN HYDE LAWSON3 Filed as: MICHELLE D HYDE LAWSON | 923 EAST MARKET STREET SUITE B CHARLOTTESVILLE, VA 22902 | CONTINENTAL AMERICAN INSURANCE COMPANY | $334 | — | $334 | 4.43% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $318 | — | $318 | 4.22% |
| MICHELLE DAWN HYDE LAWSON3 Filed as: MICHELLE D HYDE LAWSON | 923 EAST MARKET STREET SUITE B CHAROTTESVILLE, VA 22902 | CONTINENTAL AMERICAN INSURANCE COMPANY | $172 | — | $172 | 2.28% |
| SAMUEL DAANE3 | 2719 NORTHFIELD RD CHARLOTTESVILLE, VA 22901 | CONTINENTAL AMERICAN INSURANCE COMPANY | $113 | — | $113 | 1.50% |
| KENNETH BAILEY3 Filed as: KENNETH R BAILEY | 2121 MT TORREY RD LYNDHURST, VA 22952 | CONTINENTAL AMERICAN INSURANCE COMPANY | $81 | — | $81 | 1.07% |
| RUTH P YOUNG3 | 808 WISSINGTON RD LYNCHBURG, VA 24502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $78 | — | $78 | 1.03% |
| CODY MOSS3 | 2203 GLENMORE RD SCOTTSVILLE, VA 24590 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74 | — | $74 | 0.98% |
| CHRISTOPHER POWELL3 | 350 OLD IVY WAY SUITE 200 CHARLOTTESVILLE, VA 22903 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.45% |
| DAVID N MORGAN3 | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.29% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.07% |
| RICHARD KRESINSKE3 | PO BOX 15341 CHESAPEAKE, VA 23328 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.07% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.05% |
| AMELIA MORGAN3 | 1904 ELLIS DRIVE MAIDENS, VA 23102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| RUSELL W TINNEY3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| MICHELLE DAWN HYDE LAWSON3 | PO BOX 443 LOVINGSTON, VA 22949 | AFLAC | $146 | — | $146 | 5.28% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 700 WAYNESBORO, VA 22980 | AFLAC | $55 | — | $55 | 1.99% |
| KENNETH BAILEY3 Filed as: KENNETH R BAILEY | 2121 MT TORREY ROAD LYNDHURST, VA 22952 | AFLAC | $54 | — | $54 | 1.95% |
| CHRISTOPHER PARSONS3 | 193 BEACH ROAD POQUOSON, VA 23662 | AFLAC | $39 | — | $39 | 1.41% |
| VICKIE LOSNES3 Filed as: VICKIE Y LOSNES | 8540 GOODVIEW RD GOODVIEW, VA 24095 | AFLAC | $20 | — | $20 | 0.72% |
| BOYD GLOVER JR3 Filed as: BOYD M GLOVER JR | 69 MOORCLIFFE LANE VERONA, VA 24482 | AFLAC | $19 | — | $19 | 0.69% |
| THOMAS E HATCHER JR3 | 1588 BAY TREE DR HARRELLS, NC 28444 | AFLAC | $9 | — | $9 | 0.33% |
| THOMAS E HATCHER JR3 | 1588 BAYTREE DRIVE HARRELLS, NC 28444 | AFLAC | $9 | — | $9 | 0.33% |
| SABRINA ANN PARSONS3 | 193 BEACH RD POQUOSON, VA 23662 | AFLAC | $2 | — | $2 | 0.07% |
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 | 172 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | OPTIMA HEALTH PLAN | 151 | $1.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 259 | $216K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 259 | $216K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 259 | $216K |
| Other(4 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 259 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.