| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | UNKNOWN RESTON, VA 20190 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $85K | $0 | $85K | 6.64% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | UNKNOWN RESTON, VA 20190 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $31K | $11K | $42K | 3.27% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | ANTHEM LIFE INSURANCE COMPANY | $12K | $3K | $15K | 4.35% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | ANTHEM LIFE INSURANCE COMPANY | $14K | $0 | $14K | 4.17% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | $0 | $6K | 2.17% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | PO BOX 896620 CHARLOTTE, NC 282896620 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | $3K | $4K | 1.63% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.44% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | PO BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $758 | $0 | $758 | 1.83% |
| JOHN DAVID BODKER3 Filed as: JOHN DAVID BODKER II | 11415 SPRIGHTLY LANE SAN ANTONIO, TX 78254 | AFLAC | $229 | $0 | $229 | 4.07% |
| KATHRYN ANDERSON3 Filed as: KATHRYN A. ANDERSON | 4336 EAST MORNING VISTA LANE CAVE CREEK, AZ 85331 | AFLAC | $163 | $0 | $163 | 2.90% |
| JASON BODKER3 Filed as: JASON D. BODKER | 11230 WEST AVENUE, SUITE 2209 SAN ANTONIO, TX 78213 | AFLAC | $97 | $0 | $97 | 1.73% |
| DENISE F BEAMAN3 Filed as: DENISE F. BEAMAN AND OTHER AGENTS | 2 EDITH DRIVE JACKSONVILLE, NC 28540 | AFLAC | $92 | $0 | $92 | 1.64% |
| ROBERT A ANDERSON3 Filed as: ROBERT A. ANDERSON | 13710 GENERAL GEARY COURT FREDERICKSBURG, VA 22407 | AFLAC | $39 | $0 | $39 | 0.69% |
| GARY W GREENE3 Filed as: GARY W. GREENE | 505 GOLF VIEW DRIVE GREENVILLE, NC 27834 | AFLAC | $24 | $0 | $24 | 0.43% |
| SARAH Y ZACCARO3 Filed as: SARAH Y. ZACCARO | 1015 MONTLIMAR DRIVE, SUITE C1 MOBILE, AL 36609 | AFLAC | $24 | $0 | $24 | 0.43% |
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 | 429 | 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) | 429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 507 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 351 | $272K |
| Vision(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 331 | $122K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 429 | $339K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 429 | $339K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 507 | $1.4M |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 429 | $344K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 507 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.