| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 999 SHADY GROVE SUITE 200 MEMPHIS, TN 38119 | SUN LIFE ASSURANCE COMPANY OF CANADA | $84K | — | $84K | 15.04% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 10 FRANKLIN RD. SE STE 100 ROANOKE, VA 240112113 | AMERITAS LIFE INSURANCE CORP. | $28K | — | $28K | 5.87% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 47 AIRPARK CT, P.O. BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP. | — | $8K | $8K | 1.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF VA EIN 54-0357120 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services; Claims processing Service code 12 | — | $400K |
| ANTHEM HEALTH PLANS OF VIRGINIA,INC | Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $206K |
| HEALTHKEEPERS, INC. EIN 54-1356687 NONE | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator; Claims processing Service code 12 | — | $133K |
| MCGRIFF INSURANCE SERVICES INC. | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | — | $47K |
| MCGRIFF INSURANCE SERVICES NONE | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | 223 W NASH ST WILSON, NC 27893 | $0 |
| INGENIORX, INC. EIN 35-2145715 NONE | Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | 220 VIRGINIA AVENUE INDIANAPOLIS, IN 46204 | -$170K |
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 | 879 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 900 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 1,610 | $468K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 1,610 | $908K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 919 | $556K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 919 | $556K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 919 | $556K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 990 | $440K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 989 | $571K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,610 | — |
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.