| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 2108 LABURNUM AVENUE SUITE 310 RICHMOND, VA 232274300 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $15K | $15K | 2.35% |
| BB&T INSURANCE SERVICES, INC.3 | P. O. BOX 17370 RICHMOND, VA 23226 | DELTA DENTAL OF VIRGINIA | $3K | — | $3K | 6.39% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $374 | $3K | 11.36% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 8.62% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVENUE SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 8.12% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $256 | $2K | 11.25% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $274 | $2K | 11.43% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $259 | $37 | $296 | 11.43% |
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 | 97 | 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) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 192 | $638K |
| Dental | DELTA DENTAL OF VIRGINIA | 188 | $50K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 108 | $28K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 107 | $21K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 95 | $19K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 108 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.