| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 10265 BIRMINGHAM, AL 35202 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $24K | $635 | $24K | 1.35% |
| MCGRIFF INSURANCE SERVICES INC3 | 2108 WEST LABURNAM AVE STE 310 RICHMOND, VA 23227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 5.71% |
| MCGRIFF INSURANCE SERVICES INC3 | 2211 7TH AVE S BIRMINGHAM, AL 35233 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 3.47% |
| MCGRIFF INSURANCE SERVICES INC3 | 2108 WEST LABURNAM AVE STE 310 RICHMOND, VA 23227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 8.79% |
| MCGRIFF INSURANCE SERVICES INC3 | 2211 7TH AVE S BIRMINGHAM, AL 35233 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.54% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 246 | $1.8M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 246 | $1.8M |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 246 | $1.8M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 174 | $40K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 174 | $86K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 174 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.