| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 3150 S MAIN ST HARRISONBURG, VA 228012670 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 2.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DR STE 180 GREENSBORO, NC 274099047 | PRINCIPAL LIFE INSURANCE COMPANY | $785 | — | $785 | 0.27% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 3150 S MAIN ST HARRISONBURG, VA 228012670 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DR STE 180 GREENSBORO, NC 274099047 | PRINCIPAL LIFE INSURANCE COMPANY | $878 | — | $878 | 0.65% |
| MARSH & MCLENNAN AGENCY LLC3 | 3150 S MAIN ST HARRISONBURG, VA 228012670 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | — | $11K | 11.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DR GREENSBORO, NC 27409 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.48% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 3150 S MAIN ST HARRISONBURG, VA 228012670 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DR STE 180 GREENSBORO, NC 274099047 | PRINCIPAL LIFE INSURANCE COMPANY | $376 | — | $376 | 0.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 7391 HODGSON MEMORIAL DRIVE SUITE 100 SAVANNAH, GA 31406 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 47.38% |
| CONSOLIDATED PLANNING HOLDINGS3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$58 | — | -$58 | -0.11% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | 3800 FERNANDINA ROAD SUITE 200 COLUMBIA, SC 29221 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$12K | — | -$12K | -22.38% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 3150 S MAIN ST HARRISONBURG, VA 228012670 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DR STE 180 GREENSBORO, NC 27409 | PRINCIPAL LIFE INSURANCE COMPANY | $453 | — | $453 | 1.70% |
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 | 452 | 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) | 452 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 619 | $167K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 578 | $33K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 459 | $230K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 171 | $68K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 458 | $287K |
| Other(4 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 459 | $297K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 619 | — |
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.