| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURAANCES SERVICES, INC | 543 SOUTH EVANS ST GREENVILE, NC 27858 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $24K | $1K | $25K | 2.62% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | — | $377 | $377 | 0.04% |
| MCGRIFF INSURANCE SERVICES INC3 | 543 SOUTH EVANS ST GREENVILLE, NC 27858 | ANTHEM LIFE INSURANCE COMPANY | $13K | $637 | $13K | 14.53% |
| USI INSURANCE SERVICES LLC3 | 101 WEST MAIN STREET SUITE 900 NORFOLK, VA 23466 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 10.10% |
| DANNY R. OSTER3 Filed as: DANNY R OSTER | 11812 SAWGRASS LANE FREDRICKSBURG, VA 22407 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 6.52% |
| VINCENT T CALLAHAN3 | 6804 ATLANTIC AVENUE VIRGINIA BEACH, VA 23451 | TRUSTMARK INSURANCE COMPANY | $44 | — | $44 | 0.22% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | EYEMED | $465 | — | $465 | 9.56% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 2108 W LABURNUM AVENUE #300 RICHMOND, VA 23227 | EYEMED | $47 | — | $47 | 0.97% |
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 | 230 | 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) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 115 | $937K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 115 | $942K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 173 | $111K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 173 | $91K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 173 | $91K |
| Other(5 contracts, 5 carriers) | ANTHEM LIFE INSURANCE COMPANY | 200 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.