| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 1104 AMHERST ST WINCHESTER, NC 22601 | HEALTHKEEPERS, INC. | $19K | — | $19K | 3.35% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $3K | — | $3K | 5.00% |
| WANDA LEE MADDOX3 | PO BOX 346 CROZET, VA 22932 | AFLAC | $5K | $88 | $5K | 9.77% |
| KAREN S LEIGHTY3 | 729 PATTIE RD BUCKINGHAM, VA 23921 | AFLAC | $807 | $18 | $825 | 1.71% |
| CODY MOSS3 Filed as: CODY LEE MOSS | 2203 GLENMORE RD SCOTTSVILLE, VA 24590 | AFLAC | $458 | $18 | $476 | 0.99% |
| RUTH P YOUNG3 | 677 BERKMAR CT CHARLOTTESVILLE, VA 22901 | AFLAC | $362 | — | $362 | 0.75% |
| ROY S TURNER3 | 429 MAPLE TOP LN BUCKINGHAM, VA 23931 | AFLAC | $223 | — | $223 | 0.46% |
| MICHAEL HOWARD WEEKS3 | 160 ELLIOTT RD AYDLETT, NC 27916 | AFLAC | $139 | — | $139 | 0.29% |
| FAY JETER MARTIN3 | 19220 FOREST RD LYNCHBURG, VA 24502 | AFLAC | $121 | — | $121 | 0.25% |
| JADEANNE WAGNER3 | 742 WILLOWSPRINGS BLVD FRANKLIN, TN 37064 | AFLAC | $115 | — | $115 | 0.24% |
| SABRINA ANN PARSONS3 | 193 BEACH RD POQUOSON, VA 23662 | AFLAC | $108 | — | $108 | 0.22% |
| SAMUEL DAANE3 | 943 GLENWOOD STATION LN STE 302 CHARLOTTESVILLE, VA 22901 | AFLAC | $94 | — | $94 | 0.19% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $94 | — | $94 | 0.19% |
| KATHY K PLOURDE3 | PO BOX 641 FOREST, VA 24551 | AFLAC | $91 | — | $91 | 0.19% |
| CHRISTOPHER PARSONS3 | 193 BEACH RD POQUOSON, VA 23662 | AFLAC | $85 | — | $85 | 0.18% |
| J GARY CAVE3 Filed as: J. GARY CAVE | 6412 HARDING PIKE NASHVILLE, TN 37205 | AFLAC | $82 | — | $82 | 0.17% |
| KATHY K PLOURDE3 Filed as: KATHY K. PLOURDE | 102 MILLSTONE TER FOREST, VA 24551 | AFLAC | $67 | — | $67 | 0.14% |
| YARBOROUGH AND YARBOROUGH INC3 | 4035 HEUTTE DR NORFOLK, VA 23518 | AFLAC | $57 | — | $57 | 0.12% |
| JANICE ALLEN TURNER3 | 429 MAPLE TOP LN BUCKINGHAM, VA 23921 | AFLAC | $41 | — | $41 | 0.09% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $34 | — | $34 | 0.07% |
| TELLIE ANN TURNER SAUNDERS3 | 427 MAPLE TOP LN BUCKINGHAM, VA 23921 | AFLAC | $32 | — | $32 | 0.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: DANIE M BROWN | 475 LAWNDALE DR SPRING CREEK, NV 89815 | AFLAC | $27 | — | $27 | 0.06% |
| TALON R BOCCOLA3 | 25 JESUP WAY APT 102 LYNCHBURG, VA 24502 | AFLAC | $23 | — | $23 | 0.05% |
| RICHARD J KRESINSKE3 Filed as: RICHARD K KRESINSKE | 4004 ATLANTIC AVE APT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $21 | — | $21 | 0.04% |
| JEFFREY WHITE3 | 8250 PORTERS CROSSING WAY WILMINGTON, NC 28411 | AFLAC | $20 | — | $20 | 0.04% |
| DURWARD W HANCOCK JR3 | PO BOX 3634 NORTH MYRTLE BEACH, SC 29582 | AFLAC | $15 | — | $15 | 0.03% |
| JOHN W WATSON3 | 147 MALLARD LN LYNCHBURG, VA 24502 | AFLAC | $13 | — | $13 | 0.03% |
| THOMAS E HATCHER JR3 | 1588 BAYTREE DR HARRELLS, NC 28444 | AFLAC | $12 | — | $12 | 0.02% |
| DAVID E SHELL JR3 | 102 MACTANLY PL STE C STAUNTON, VA 24401 | AFLAC | $11 | — | $11 | 0.02% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $8 | — | $8 | 0.02% |
| RUSSELL TINNEY3 | 3440 TORRINGTON WAY APT 7 FAYETTEVILLE, NC 28314 | AFLAC | $7 | — | $7 | 0.01% |
| ELLEN JENKINS NETERER3 | PO BOX 262 GOOCHLAND, VA 23003 | AFLAC | $6 | — | $6 | 0.01% |
| GEORGE WILLIAMS3 Filed as: GEORGE LOWNDES WILLIAMS | 208 GRAND PARK BLVD CHARLESTON, SC 29492 | AFLAC | $6 | — | $6 | 0.01% |
| CHARLOTTE R. TINSLEY3 Filed as: CHARLOTTE R TINSLEY | 712 SW MONTGOMERY AVE LEES SUMMIT, MO 64081 | AFLAC | $5 | — | $5 | 0.01% |
| MICHAEL R MARTIN3 | 762 CHAPEL RIDGE DR PITTSBORO, NC 27312 | AFLAC | $2 | — | $2 | 0.00% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $1 | — | $1 | 0.00% |
| MARY LEE NICHOLS3 | 317 4TH ST #276 LA CROSSE, WI 54601 | AFLAC | $1 | — | $1 | 0.00% |
| MARK D LUTHER3 | 804 MOOREFIELD PARK DR STE 205 NORTH CHESTERFIELD, VA 23236 | AFLAC | $1 | — | $1 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3201 BEECHLEAF CT. #200 RALEIGH, NC 27604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $910 | $910 | 6.21% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3605 GLENWOOD AVE. RALEIGH, NC 27612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY RD. STE F GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $517 | $517 | 6.49% |
| FREDERICK SCRUGGS3 Filed as: FREDERICK T SCRUGGS | 1116 VISTA PARK DR SUITE A FOREST, VA 24551 | SUN LIFE ASSURANCE COMPANY OF CANADA | $717 | — | $717 | 16.24% |
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 | 103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHKEEPERS, INC. | 149 | $582K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 94 | $54K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 103 | $23K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 8 | $4K |
| Other(3 contracts, 2 carriers) | AFLAC | 103 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.