| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 1104 AMHERST ST WINCHESTER, VA 22601 | HEALTHKEEPERS, INC. | $95K | — | $95K | 1.50% |
| BENEFIT COMPANY INC OF SC3 Filed as: THE BENEFIT COMPANY, INC. OF SC | PO BOX 211486 COLUMBIA, SC 29221 | HEALTHKEEPERS, INC. | $31K | — | $31K | 0.48% |
| BENEFINDER3 | 2604 N PARHAM RD RICHMOND, VA 23294 | HEALTHKEEPERS, INC. | $28 | — | $28 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 276124959 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $2K | $20K | 5.67% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT COMPANY INC | 3800 FERNANDINA ROAD SUITE 200 COLUMBIA, NC 29221 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 2.03% |
| CONSOLIDATED PLANNING HOLDINGS3 | 4201 CONGRESS STREET SUITE 295 CHARLOTTE, NC 28209 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $268 | — | $268 | 0.08% |
| MCGRIFF INSURANCE SERVICES INC3 | 1104 AMHERST ST WINCHESTER, VA 22601 | ANTHEM LIFE INSURANCE COMPANY | $24K | $9K | $33K | 12.46% |
| BENEFIT COMPANY INC OF SC3 | PO BOX 211486 COLUMBIA, SC 29221 | ANTHEM LIFE INSURANCE COMPANY | $8K | $4K | $12K | 4.43% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 7.72% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVENUE SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 7.27% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 6.54% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 5.04% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 13.12% |
| 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 | 11.56% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $425 | — | $425 | 6.76% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVENUE SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $363 | — | $363 | 5.77% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $171 | — | $171 | 5.29% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE RALEIGH, NC 272164959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $152 | — | $152 | 4.70% |
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 | 719 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 722 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHKEEPERS, INC. | 1,004 | $6.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 649 | $347K |
| Vision | HEALTHKEEPERS, INC. | 1,004 | $6.3M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 763 | $262K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 763 | $262K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 763 | $262K |
| Other(6 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 763 | $408K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,004 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.