| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 310 1ST ST SW, SUITE 201 ROANOKE, VA 240111926 | AMERITAS LIFE INSURANCE CORP. | $18K | — | $18K | 5.85% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 47 AIRPARK CT, P.O. BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP. | — | $7K | $7K | 2.22% |
| BB&T INSURANCE SERVICES, INC.3 | 3318 W FRIENDLY AVE STE 400 GREENSBORO, NC 37410 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $14K | — | $14K | 4.80% |
| MCGRIFF INSURANCE SERVICES INC3 | 3318 W FRIENDLY AVE, STE 400 GREENSBORO, NC 37410 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $6K | — | $6K | 2.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF VA EIN 54-0357120 NONE | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Claims processing; Contract Administrator; Other services Service code 12 | — | $289K |
| HEALTHKEEPERS, INC. EIN 54-1356687 NONE | Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other fees; Claims processing Service code 12 | — | $68K |
| BB&T INSURANCE SERVICES NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | 113 S. WAYNE AVE WAYNESBORO, VA 22980 | $0 |
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 | 533 | 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) | 533 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 1,093 | $312K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 1,093 | $846K |
| Life insurance | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 808 | $288K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 808 | $288K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 808 | $288K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 938 | $534K |
| Other | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 808 | $288K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,093 | — |
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.