| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $92K | $978 | $93K | 3.91% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | $2K | $27K | 15.91% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $8K | 5.54% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $364 | $5K | 10.86% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $253 | $3K | 10.89% |
| JBA ENTERPRISES OF ROANOKE INC3 | 355 STONELEDGE DRIVE ROANOKE, VA 24019 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 17.08% |
| KEVIN L MARTIN3 Filed as: KEVIN MARTIN | P.O. BOX 941 SALEM, VA 24153 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 10.13% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVE. RALEIGH, NC 276123908 | CONTINENTAL AMERICAN INSURANCE COMPANY | $392 | — | $392 | 2.69% |
| CYNTHIA WARE3 | 1291 BENCHMARK LANE BEDFORD, VA 24523 | CONTINENTAL AMERICAN INSURANCE COMPANY | $388 | — | $388 | 2.66% |
| JUDY L MCCULLOUGH3 Filed as: JUDY MCCULLOUGH | 5182 THOMAS JEFFERSON RD. FOREST, VA 24551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $226 | — | $226 | 1.55% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $454 | $41 | $495 | 10.91% |
| TRIVETT WINGO4 | 1218 S WALTERS ST SAN ANTONIO, TX 78210 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $31 | — | $31 | 10.80% |
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 | 308 | 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) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 377 | $2.4M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 377 | $2.4M |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 377 | $2.4M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 308 | $28K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 241 | $171K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 292 | $181K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 308 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 377 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.