| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 2108 WEST LABURNAM AVENUE SUITE 310 RICHMOND, VA 23227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $7K | $15K | 10.75% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 2108 WEST LABURNAM AVENUE SUITE 310 RICHMOND, VA 23227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $4K | $10K | 10.81% |
| ELIZABETH ANNE BUCHANAN3 | 3401 HUNTON RIDGE DRIVE GLEN ALLEN, VA 23059 | AFLAC | $4K | $114 | $4K | 5.89% |
| CHARLITA J MILLARD3 | PO BOX 3943 CHESTER, VA 23831 | AFLAC | $1K | $27 | $1K | 1.89% |
| JULIA STARRETT | 8216 BALTIMORE ROAD FORD, VA 23850 | AFLAC | $816 | — | $816 | 1.29% |
| JOSHUA C BURTON3 | 4189 COX ROAD SUITE 113 GLENN ALLEN, VA 23060 | AFLAC | $753 | — | $753 | 1.19% |
| REBECCA F SMITH3 | 5040 SADDLER PLACE SUITE 110 GLEN ALLEN, VA 23060 | AFLAC | $688 | — | $688 | 1.09% |
| ROBERT A ROBERTSON3 Filed as: ROBERT ROBERTSON | 511 WOODBINE LANE BRISTOL, TN 37620 | AFLAC | $395 | — | $395 | 0.63% |
| JESSICA M GAINES3 | 10809 KING WILLIAM ROAD APT 4 AYLETT, VA 23009 | AFLAC | $285 | — | $285 | 0.45% |
| KAYLEE ANN BAGLEY3 | 5040 SADLER PLACE SUITE 110 GLEN ALLEN, VA 23060 | AFLAC | $257 | — | $257 | 0.41% |
| DONALD HEATH RIVERS3 Filed as: DONALD RIVERS | 7248 CANNOCK ROAD CHESTERFIELD, VA 23831 | AFLAC | $238 | — | $238 | 0.38% |
| JULIE THOMPSON PRIOR3 Filed as: JULIE THOMPSON MANNING | 3460 BROOKLAND MANOR DRIVE POWHATAN, VA 23139 | AFLAC | $222 | — | $222 | 0.35% |
| IRENE L ROBERTSON3 | 511 WOODBINE LANE BRISTON, TN 37620 | AFLAC | $189 | — | $189 | 0.30% |
| PHYLLIS DAWN HESLEP3 Filed as: PHYLLIS HESLEP | 301 HARBOUR PALCE DRIVE UNIT 1202 TAMPA, FL 33602 | AFLAC | $166 | — | $166 | 0.26% |
| SABRINA ANN PARSONS3 | 1925 CUBA LANE HAYES, VA 23072 | AFLAC | $135 | — | $135 | 0.21% |
| GENIA ANNE TENCH3 | 542 KING WILLIAM ROAD HANOVER, VA 23069 | AFLAC | $104 | — | $104 | 0.16% |
| DAVID MORGAN3 | 1904 ELLIS DRIVE MAIDENS, VA 23102 | AFLAC | $78 | — | $78 | 0.12% |
| ENROLLEASE3 Filed as: CLARKE JONES | PO BOX 711 MIDLOTHIAN, VA 23113 | AFLAC | $78 | — | $78 | 0.12% |
| SUSAN N ADAMS3 Filed as: SUSAN ADAMS | 2807 N PARHAM ROAD SUITE 380 HENRICO, VA 23294 | AFLAC | $61 | — | $61 | 0.10% |
| ELLEN TURTON3 | 73 OLD DAM ROAD FAIRFIELD, CT 06824 | AFLAC | $58 | — | $58 | 0.09% |
| LAYMETHA GUY3 | 612 YELLOWSTONE DRIVE HOPEWELL, VA 23860 | AFLAC | $58 | — | $58 | 0.09% |
| THOMAS E HATCHER JR3 | 1588 BAY TREE DRIVE HARRELLS, NC 28444 | AFLAC | $57 | — | $57 | 0.09% |
| DUANE A ADAMS3 Filed as: DUANE ADAMS | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | AFLAC | $54 | — | $54 | 0.09% |
| DUANE A ADAMS3 | 493 BAILEY DRIVE LOUISA, VA 23093 | AFLAC | $54 | — | $54 | 0.09% |
| LINDA E BARTON3 Filed as: LINDA BARTON | 8322 BEN NEVIS DRIVE RICHMOND, VA 23235 | AFLAC | $47 | — | $47 | 0.07% |
| CHRISTOPHER PARSONS3 | 1925 CUBA LANE HAYES, VA 23072 | AFLAC | $46 | — | $46 | 0.07% |
| JENNIFER TENCH3 | 1299 LOCUST HILL ROAD AYLETT, VA 23009 | AFLAC | $45 | — | $45 | 0.07% |
| HEATHER HESLEP3 | 107 HUGER STREET RINCON, GA 31326 | AFLAC | $43 | — | $43 | 0.07% |
| RUEANN EMERSON3 | 1017 ASHES DRIVE SUITE 106 WILMINGTON, NC 28405 | AFLAC | $37 | — | $37 | 0.06% |
| ROY D MUNSTER3 | 8332 CHARING LANE GELN ALLEN, VA 23059 | AFLAC | $33 | — | $33 | 0.05% |
| RONALD PRIOR JR3 | 725 SWAN VIEW DRIVE URBANNA, VA 23175 | AFLAC | $33 | — | $33 | 0.05% |
| DAISY W STIEBEL3 | 4970 S ISLAND DRIVE NORTH MYRTLE BEACH, SC 29582 | AFLAC | $31 | — | $31 | 0.05% |
| DEBORAH B SMITH3 Filed as: DEBORAH SMITH | 1960 CRANBERRY ISLES WAY APOPKA, FL 32712 | AFLAC | $28 | — | $28 | 0.04% |
| ROBERT P KELLAND JR3 | 10600 WHITE RABBIT ROAD RICHMOND, VA 23235 | AFLAC | $26 | — | $26 | 0.04% |
| KERSTIN E COLEMAN3 | 47 QUEENS WAY SUITE G HAMPTON, VA 23669 | AFLAC | $24 | — | $24 | 0.04% |
| JEFFERY S GIBSON3 Filed as: JEFFERY GIBSON | 4030 TATES CREEK ROAD APT 1004 CONSHOHOCKEN, PA 40517 | AFLAC | $16 | — | $16 | 0.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS THOMPSON | 13618 LANGFORD DRIVE MIDLOTHIAN, VA 23112 | AFLAC | $14 | — | $14 | 0.02% |
| ROBERT MILLARD3 | 11000 ALDERA PLACE CHESTERFIELD, VA 23838 | AFLAC | $13 | — | $13 | 0.02% |
| RICHARD KRESINSKE3 | 4004 ATLANTIC AVE APT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $12 | — | $12 | 0.02% |
| BENJAMIN O THOMPSON SR3 | 2012 GAMELAW CT MIDLOTHIAN, VA 23113 | AFLAC | $8 | — | $8 | 0.01% |
| KARIMA CRENSHAW3 | 2034 WALTON ST PETERSBURG, VA 23805 | AFLAC | $6 | — | $6 | 0.01% |
| AMEILA MORGAN3 | 1904 ELLIS DRIVE MAIDENS, VA 23102 | AFLAC | $3 | — | $3 | 0.00% |
| MICHAEL FATHERREE3 | 171 COUNTRY ROAD 1559 ALBA, TX 75410 | AFLAC | $3 | — | $3 | 0.00% |
| LINDSEY JO MARTIN3 Filed as: LINDSEY MARTIN | 1450 ULMER STREET GREENWOOD, AR 72936 | AFLAC | $3 | — | $3 | 0.00% |
| GREGORY D HILL3 Filed as: GREGORY HILL | 16142 SWALLOWTAIL PLACE MIDLOTHIAN, VA 23113 | AFLAC | $2 | — | $2 | 0.00% |
| MARY LEE NICHOLS3 | 2115 ARBOR VIEW CIR DIBERVILLE, MS 39540 | AFLAC | $2 | — | $2 | 0.00% |
| RUSSELL TINNEY3 | 3440 TORRINGTON WAY APT 7 FAYETTEVILLE, VA 28314 | AFLAC | $1 | — | $1 | 0.00% |
| NICHOLAS WAGNER3 | 1508 BACK COVE ROAD VIRGINIA BEACH, VA 23454 | AFLAC | $1 | — | $1 | 0.00% |
| SHEILA L RAITCH3 Filed as: SHEILA RAITCH | 5524 LIBER COURT GAINESVILLE, VA 20155 | AFLAC | $1 | — | $1 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 2108 WEST LABURNAM AVENUE SUITE 310 RICHMOND, VA 23227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 15.04% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 2108 WEST LABURNAM AVENUE SUITE 310 RICHMOND, VA 23227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 10.53% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $1K | — | $1K | 4.58% |
| DONALD V CREECH3 | 3901 WESTERRE PKWY RICHMOND, VA 23233 | NORTHWESTERN MUTUAL | — | $330 | $330 | 5.08% |
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 | 296 | 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) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 316 | $35K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 278 | $126K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 81 | $98K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 278 | $140K |
| Other(5 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 353 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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.