| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $39K | $608 | $40K | 2.56% |
| MARSH & MCLENNAN AGENCY LLC3 | P O BOX 350 CONSHOHOCKEN, PA 19428 | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | $19K | — | $19K | 1.23% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 274099047 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 6.90% |
| LONA BISHOP3 | PO BOX 20753 ROANOKE, VA 24018 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 6.48% |
| MARK WARE3 Filed as: MARK A. WARE | 310 SHOREWOOD DRIVE MINERAL, VA 23117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $205 | — | $205 | 0.46% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | PO BOX 890635 CHARLOTTE, NC 282890635 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $2K | $5K | 14.04% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 890635 CHARLOTTE, NC 282890635 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $1K | $4K | 14.75% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 890635 CHARLOTTE, NC 282890635 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $516 | $3K | 12.04% |
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 | 162 | 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) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 223 | $1.6M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 223 | $1.6M |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 223 | $1.6M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 174 | $39K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 105 | $27K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 79 | $25K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 174 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.