| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 541 NORTH MAIN STREET SUITE 100 MT. AIRY, NC 27030 | HEALTHKEEPERS, INC. | $24K | — | $24K | 4.04% |
| 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 | P.O. BOX 346 CROZET, VA 22932 | AFLAC | $4K | $214 | $4K | 7.39% |
| DAVID MORGAN3 Filed as: DAVID MICHAEL CROWDER | 209 MARGATE DRIVE LYNCHBURG, VA 24502 | AFLAC | $629 | — | $629 | 1.16% |
| KAREN S LEIGHTY3 | 729 PATTIE ROAD BUCKINGHAM, VA 23921 | AFLAC | $562 | $43 | $605 | 1.11% |
| CODY MOSS3 Filed as: CODY LEE MOSS | 2203 GLENMORE ROAD SCOTTSVILLE, VA 24590 | AFLAC | $482 | $43 | $525 | 0.96% |
| RUTH P YOUNG3 | 677 BERKMAR COURT CHARLOTTESVILLE, VA 22901 | AFLAC | $383 | — | $383 | 0.70% |
| ANGELA WRIGHT3 | 227 MIDLAND ROAD WINGINA, VA 24599 | AFLAC | $314 | — | $314 | 0.58% |
| ROY S TURNER3 | 429 MAPLE TOP LANE BUCKINGHAM, VA 23921 | AFLAC | $223 | — | $223 | 0.41% |
| KATHY K PLOURDE3 Filed as: KATHY PLOURDE | 102 MILLSTONE TERRACE FOREST, VA 24551 | AFLAC | $173 | — | $173 | 0.32% |
| MICHAEL HOWARD WEEKS3 | 160 ELLIOTT ROAD AYDLETT, NC 27916 | AFLAC | $151 | — | $151 | 0.28% |
| FAYE JETER MARTIN3 | 19220 FOREST ROAD STE 302 LYNCHBURG, VA 24502 | AFLAC | $126 | — | $126 | 0.23% |
| SABRINA ANN PARSONS3 | 1925 CUBA LANE HAYES, VA 23072 | AFLAC | $116 | — | $116 | 0.21% |
| JADEANNE WAGNER3 | 742 WILLOWSPRINGS BLVD FRANKLIN, TN 37064 | AFLAC | $101 | — | $101 | 0.19% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PLACE MANAKIN SABOT, VA 23103 | AFLAC | $98 | — | $98 | 0.18% |
| SAMUEL DAANE3 | 943 GLENWOOD STATION LANE SUITE 302 CHARLOTTESVILLE, VA 22901 | AFLAC | $83 | — | $83 | 0.15% |
| CHRISTOPHER PARSONS3 | 1925 CUBA LANE HAYES, VA 23072 | AFLAC | $79 | — | $79 | 0.15% |
| J GARY CAVE3 | 6412 HARDING PIKE NASHVILLE, TN 37205 | AFLAC | $74 | — | $74 | 0.14% |
| YARBOROUGH AND YARBOROUGH INC3 | 4035 HEUTTE DR NORFOLK, VA 23518 | AFLAC | $61 | — | $61 | 0.11% |
| JANICE ALLEN TURNER3 | 429 MAPLE TOP LANE BUCKINGHAM, VA 23921 | AFLAC | $44 | — | $44 | 0.08% |
| TELLIE ANN TURNER SAUNDERS3 | 427 MAPLE TOP LN BUCKINGHAM, VA 23921 | AFLAC | $40 | — | $40 | 0.07% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $36 | — | $36 | 0.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: DANIE M BROWN | 475 LAWNDALE DR SPRING CREEK, NV 89815 | AFLAC | $29 | — | $29 | 0.05% |
| TALON R BOCCOLA3 | 25 JESUP WAY APT 102 LYNCHBURG, VA 24502 | AFLAC | $25 | — | $25 | 0.05% |
| JEFFREY WHITE3 | 8250 PORTERS CROSSING WAY WILMINGTON, NC 28411 | AFLAC | $21 | — | $21 | 0.04% |
| RICHARD J KRESINSKE3 | 4004 ATLANTIC AVE APT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $21 | — | $21 | 0.04% |
| DAVID E SHELL JR3 | 102 MACTANLY PLACE SUITE C STAUNTON, VA 24401 | AFLAC | $16 | — | $16 | 0.03% |
| JOHN W WATSON3 | 147 MALLARD LN LYNCHBURG, VA 24502 | AFLAC | $15 | — | $15 | 0.03% |
| DURWARD W HANCOCK JR3 Filed as: DURWARD HANCOCK JR | P.O. BOX 3634 NORTH MYRTLE BEACH, SC 29582 | AFLAC | $15 | — | $15 | 0.03% |
| THOMAS E HATCHER JR3 Filed as: THOMAS E HATCHER JR. | 1588 BAY TREE DRIVE HARRELLS, NC 28444 | AFLAC | $12 | — | $12 | 0.02% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $9 | — | $9 | 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% |
| MARK D LUTHER3 | 804 MOOREFIELD PARK DR STE 205 NORTH CHESTERFIELD, VA 23236 | AFLAC | $2 | — | $2 | 0.00% |
| MICHAEL R MARTIN3 | 762 CHAPEL RIDGE DRIVE PITTSBORO, NC 27312 | AFLAC | $2 | — | $2 | 0.00% |
| CHARLOTTE R. TINSLEY3 Filed as: CHARLOTTE R TINSLEY | 712 SW MONTGOMERY AVE LEES SUMMIT, MO 64081 | AFLAC | $1 | — | $1 | 0.00% |
| MARY LEE NICHOLS3 | 317 4TH ST #276 LA CROSSE, WI 54601 | AFLAC | $1 | — | $1 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 11.09% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3201 BEECHLEAF CT. #200 RALEIGH, NC 27604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $538 | — | $538 | 3.91% |
| 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 | — | $293 | $293 | 2.13% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 11.36% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3201 BEECHLEAF COURT #200 RALEIGH, NC 27604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $423 | — | $423 | 3.64% |
| 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 | — | $259 | $259 | 2.23% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896220 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 11.28% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3201 BEECHLEAF COURT #200 RALEIGH, NC 27604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $378 | — | $378 | 3.71% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $201 | $201 | 1.97% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $803 | — | $803 | 11.13% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3201 BEECHLEAF COURT RALEIGH, NC 27604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $279 | — | $279 | 3.87% |
| 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 | — | $159 | $159 | 2.20% |
| FREDERICK SCRUGGS3 Filed as: FREDERICK T SCRUGGS | 1116 VISTA PARK DRIVE SUITE A FOREST, VA 24551 | SUN LIFE ASSURANCE COMPANY OF CANADA | $607 | — | $607 | 13.75% |
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. | 136 | $606K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 101 | $59K |
| Vision | HEALTHKEEPERS, INC. | 136 | $606K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 111 | $21K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 46 | $10K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 30 | $16K |
| Other(3 contracts, 2 carriers) | AFLAC | 111 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.