| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SENTARA HEALTH PLAN | $19K | $0 | $19K | 0.92% |
| THE INSURANCE GROUP3 Filed as: INSURANCE SERVICES INC | 414 GALLIMORE DAIRY ROAD, S GREENSBORO, NC 27409 | SENTARA HEALTH PLAN | $15K | $0 | $15K | 0.72% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SENTARA HEALTH PLAN | $7K | $0 | $7K | 0.95% |
| THE INSURANCE GROUP3 Filed as: INSURANCE SERVICES INC | 414 GALLIMORE DAIRY ROAD, S GREENSBORO, NC 27409 | SENTARA HEALTH PLAN | $6K | $0 | $6K | 0.73% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF VIRGINIA | $9K | $0 | $9K | 3.29% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | PO BOX 17370 RICHMOND, VA 23226 | DELTA DENTAL OF VIRGINIA | $5K | $0 | $5K | 2.12% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $2K | $6K | 2.82% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 2.75% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 3.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $718 | $2K | 2.44% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 8.46% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $653 | $5K | 6.32% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 214 N TRYON STREET, SUITE 46 CHARLOTTE, NC 28202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16K | $0 | $16K | 25.68% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT COMPANY, INC. | 3800 FERNANDINA ROAD SUITE 200 COLUMBIA, SC 29210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 12.55% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERITAS LIFE INSURANCE CORP. | $3K | $0 | $3K | 6.11% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 2108 W LABURNUM AVENUE, SUITE 310 PO BOX 17370 RICHMOND, VA 23226 | AMERITAS LIFE INSURANCE CORP. | $2K | $0 | $2K | 3.14% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 47 AIRPARK COURT PO BOX 27149 GREENVILLE, SC 29616 | AMERITAS LIFE INSURANCE CORP. | $0 | $988 | $988 | 1.86% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 1425 SIMINOLE TRAIL, 2ND FLOOR CHARLOTTESVILLE, VA 22901 | AMERITAS LIFE INSURANCE CORP. | $400 | $0 | $400 | 0.75% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SHIC PPO | $240 | $0 | $240 | 1.10% |
| THE INSURANCE GROUP3 Filed as: INSURANCE SERVICES INC | 414 GALLIMORE DAIRY ROAD, S GREENSBORO, NC 27409 | SHIC PPO | $150 | $0 | $150 | 0.69% |
| THE INSURANCE GROUP3 Filed as: INSURANCE SERVICES INC | 414 GALLIMORE DAIRY ROAD, S GREENSBORO, NC 27409 | SHIC PPO | $218 | $0 | $218 | 1.36% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SHIC PPO | $133 | $0 | $133 | 0.83% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $222 | $0 | $222 | 8.57% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $139 | $22 | $161 | 6.21% |
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 | 609 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 615 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 3 carriers) | SENTARA HEALTH PLAN | 409 | $2.9M |
| Dental | DELTA DENTAL OF VIRGINIA | 677 | $259K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 825 | $53K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 609 | $73K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 609 | $227K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 609 | $83K |
| Prescription drug(8 contracts, 3 carriers) | SENTARA HEALTH PLAN | 409 | $2.9M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 609 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 825 | — |
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.