| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY RD. S GREENSBORO, NC 27409 | SENTARA HEALTH PLAN | $13K | — | $13K | 2.54% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY RD. S GREENSBORO, NC 27409 | SENTARA HEALTH PLAN | $17K | — | $17K | 4.62% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY RD. S GREENSBORO, NC 27409 | SENTARA HEALTH PLAN | $5K | — | $5K | 2.02% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY RD S GREENSBORO, NC 27409 | SENTARA HEALTH PLAN | $4K | — | $4K | 3.52% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 10 FRANKLIN RD SE STE 100 ROANOKE, VA 240112113 | AMERITAS LIFE INSURANCE CORP., | $11K | — | $11K | 10.79% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 47 AIRPARK CT PO BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP., | — | $4K | $4K | 3.36% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896623 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 13.66% |
| MCGRIFF INSURANCE SERVICES INC3 | 736 MARKET ST STE 1000 CHATTANOOGA, TN 374024805 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 5.14% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896623 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 12.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 736 MARKET ST STE 1000 CHATTANOOGA, TN 374024805 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 5.01% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896623 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 12.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 736 MARKET ST STE 1000 CHATTANOOGA, TN 374024805 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $978 | $978 | 5.01% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896623 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $776 | — | $776 | 13.10% |
| MCGRIFF INSURANCE SERVICES INC3 | 736 MARKET ST STE 1000 CHATTANOOGA, TN 374024805 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $302 | $302 | 5.10% |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts) | SENTARA HEALTH PLAN | 94 | $1.2M |
| Dental | AMERITAS LIFE INSURANCE CORP., | 288 | $106K |
| Vision | AMERITAS LIFE INSURANCE CORP., | 288 | $106K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 221 | $25K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 85 | $20K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 140 | $23K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 220 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.