| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MID ATLANTIC BENEFITS SOLUTION3 | 1060 LASKIN ROAD SUITE 12B VIRGINIA BEACH, VA 23451 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.52% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 282696620 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $1K | $1K | 1.23% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 310 FIRST STREET SUITE 201 ROANOKE, VA 24011 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 8.35% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 310 FIRST STREET SUITE 201 ROANOKE, VA 24011 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.37% |
| MCGRIFF INSURANCE SERVICES INC3 | 310 FIRST STREET SUITE 201 ROANOKE, VA 24011 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $339 | — | $339 | 8.38% |
| JBA ENTERPRISES OF ROANOKE INC3 | 355 STONELEDGE DRIVE ROANOKE, VA 24019 | AFLAC | $213 | — | $213 | 7.12% |
| THOMAS MICHAEL RIGNEY3 | 116 OCEAN BAY DRIVE JENSEN BEACH, FL 34957 | AFLAC | $54 | — | $54 | 1.80% |
| JOHN A HAWLEY3 Filed as: JOHN A. HAWLEY | 204 HEARTHSTONE DR. BLACKSBURG, VA 24060 | AFLAC | $31 | — | $31 | 1.04% |
| CRYSTAL L MARTIN3 Filed as: CRYSTAL L. MARTIN | 57 LAVISTA DR MORGANTOWN, WV 26508 | AFLAC | $21 | — | $21 | 0.70% |
| BRIAN CUMPTAN3 | 320 9TH STREET SUITE 200 HUNTINGTON, WV 25701 | AFLAC | $19 | — | $19 | 0.64% |
| MELVIN R JONES3 Filed as: MELVIN R. JONES | 3025 ELIOCH MANOR DR POWHATAN, VA 23139 | AFLAC | $12 | — | $12 | 0.40% |
| JUSTIN W DAVIS3 Filed as: JUSTIN W. DAVIS | 300 LIVE OAK CT SALEM, VA 24153 | AFLAC | $4 | — | $4 | 0.13% |
| THOMAS J STEPHENSON3 Filed as: THOMAS J. STEPHENSON | 31 STADELMAN CT. CARTERSVILLE, GA 30120 | AFLAC | $4 | — | $4 | 0.13% |
| GREGORY D HILL3 Filed as: GREGORY D.HILL | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $2 | — | $2 | 0.07% |
| TRIVETT WINGO4 | PO BOX 303395 AUSTIN, TX 78703 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $40 | — | $40 | 6.97% |
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 | 272 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 6 | $3K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 203 | $104K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 271 | $25K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 251 | $194K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 271 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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.