| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | HEALTHKEEPERS, INC. | $90K | — | $90K | 1.51% |
| BENEFIT COMPANY INC OF SC3 Filed as: THE BENEFIT COMPANY, INC. OF SC | PO BOX 211486 COLUMBIA, SC 29221 | HEALTHKEEPERS, INC. | $26K | — | $26K | 0.44% |
| BENEFINDER3 | 707 N. COURTHOUSE RD N. CHESTERFIELD, VA 23236 | HEALTHKEEPERS, INC. | $1K | — | $1K | 0.02% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $17K | — | $17K | 5.00% |
| BENEFIT COMPANY INC OF SC3 | PO BOX 211486 COLUMBIA, NC 29221 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $7K | — | $7K | 2.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 543 S EVANS ST GREENVILLE, NC 27858 | ANTHEM LIFE INSURANCE COMPANY | $26K | — | $26K | 10.34% |
| MCGRIFF INSURANCE SERVICES INC3 | 1104 AMHERST ST WINCHESTER, VA 22601 | ANTHEM LIFE INSURANCE COMPANY | $2K | $21K | $23K | 9.14% |
| BENEFIT COMPANY INC OF SC3 | PO BOX 211486 STE 201 COLUMBIA, SC 29221 | ANTHEM LIFE INSURANCE COMPANY | $2K | — | $2K | 0.95% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 14.43% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVENUE SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 13.99% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 19.53% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVENUE SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 15.73% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 21.51% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVENUE SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 18.94% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $346 | — | $346 | 10.13% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVENUE SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $284 | — | $284 | 8.32% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $153 | — | $153 | 9.53% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVENUE SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $135 | — | $135 | 8.41% |
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 | 737 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 741 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHKEEPERS, INC. | 1,033 | $6.0M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 672 | $335K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 793 | $252K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 793 | $252K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 793 | $252K |
| Other(6 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 793 | $333K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,033 | — |
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.