| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 10265 BIRMINGHAM, AL 35202 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $82K | $6K | $88K | 3.38% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.55% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 310 FIRST STREET SUITE 201 ROANOKE, VA 24011 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $27K | — | $27K | 17.51% |
| JBA ENTERPRISES OF ROANOKE INC3 | 355 STONELEDGE DRIVE ROANOKE, VA 24019 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 12.27% |
| KEVIN L MARTIN3 Filed as: KEVIN MARTIN | P.O. BOX 941 SALEM, VA 24153 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 7.35% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVE. RALEIGH, NC 276123908 | CONTINENTAL AMERICAN INSURANCE COMPANY | $942 | — | $942 | 1.96% |
| CYNTHIA WARE3 | 1291 BENCHMARK LANE BEDFORD, VA 24523 | CONTINENTAL AMERICAN INSURANCE COMPANY | $927 | — | $927 | 1.93% |
| JUDY L MCCULLOUGH3 Filed as: JUDY MCCULLOUGH | 5182 THOMAS JEFFERSON RD. FOREST, VA 24551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $514 | — | $514 | 1.07% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 310 FIRST STREET SUITE 201 ROANOKE, VA 24011 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 11.60% |
| 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 | 11.64% |
| MCGRIFF INSURANCE SERVICES INC3 | 310 FIRST STREET SUITE 201 ROANOKE, VA 24011 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $469 | — | $469 | 11.63% |
| 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 | 276 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 375 | $2.6M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 375 | $2.6M |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 375 | $2.6M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 279 | $25K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 228 | $155K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 258 | $193K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 279 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.