| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 2108 W. LABURNUM AVENUE SUITE 310 RICHMOND, VA 23227 | DELTA DENTAL OF VIRGINIA | $3K | — | $3K | 1.82% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | CIGNA GROUP INSURANCE | $15K | — | $15K | 15.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | PO BOX 211486 COLUMBIA, SC 29221 | CIGNA GROUP INSURANCE | — | $4K | $4K | 4.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | CIGNA GROUP INSURANCE | $8K | — | $8K | 15.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | PO BOX 211486 COLUMBIA, SC 29221 | CIGNA GROUP INSURANCE | — | $2K | $2K | 4.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | CIGNA GROUP INSURANCE | $8K | — | $8K | 15.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | PO BOX 211486 COLUMBIA, SC 29221 | CIGNA GROUP INSURANCE | — | $2K | $2K | 4.00% |
| LANCE PITTMAN LLC3 Filed as: LANCE C PITTMAN | 125 LITTLE HAWK PLACE MIDLOTHIAN, VA 23114 | AFLAC | $5K | $159 | $6K | 10.89% |
| HEYWARD RICHARDSON JR3 Filed as: HEYWARD RICHARDSON JR. | 140 WILDEWOOD PARK DR STE 108 STE 1020 COLUMBIA, SC 29223 | AFLAC | $1K | — | $1K | 2.05% |
| FELICIA BAKER3 | 804 MOOREFIELD PARK DR. STE 205 MIDLOTHIAN, VI 23236 | AFLAC | $638 | $32 | $670 | 1.32% |
| MARVIN S THOMPSON3 | 615 KERRI COVE CT. APR 202 MIDLOTHIAN, VA 23113 | AFLAC | $659 | — | $659 | 1.29% |
| GENIA ANNE TENCH3 | 804 MOOREFIELD PARK DRIVE STE 108 RICHMOND, VA 23236 | AFLAC | $568 | $38 | $606 | 1.19% |
| ROBERT A ROBERTSON3 | 12791 BUTLERS ROAD AMELIA COURT HOUSE, VA 23002 | AFLAC | $241 | $6 | $247 | 0.49% |
| PETER R ROUGHTON JR3 | 1015 MANAKIN ROAD MANAKIN SABOT, VA 23103 | AFLAC | $206 | — | $206 | 0.40% |
| DAVID C BERRY3 Filed as: DAVID BERRY | 2545 HEATHWAY DR FLORENCE, SC 29501 | AFLAC | $130 | — | $130 | 0.26% |
| FLOYD E JONES III3 Filed as: FLOYD EUGENE JONES | 7403 SOMOA DR HENRICO, VA 23228 | AFLAC | $94 | $32 | $126 | 0.25% |
| DAVID N MORGAN3 Filed as: DAVID N. MORGAN | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $98 | — | $98 | 0.19% |
| MARK D LUTHER3 | 1400 MAIN STREET APT 610 CANONSBURG, PA 15317 | AFLAC | $80 | — | $80 | 0.16% |
| THOMAS E HATCHER JR3 Filed as: THOMAS E. HATCHER JR. | 1588 BAYTREE DRIVE HARRELLS, NC 27408 | AFLAC | $64 | — | $64 | 0.13% |
| JEREMY J SABO3 | 188 CORVINA DRIVE CLAYTON, NC 27520 | AFLAC | $48 | $13 | $61 | 0.12% |
| ROY D MUNSTER3 Filed as: ROY D. MUNSTER | P.O. BOX 5634 GLEN ALLEN, VA 23058 | AFLAC | $43 | — | $43 | 0.08% |
| CHRIS CRAFT3 | P.O. BOX 115 DUNDAS, VA 23938 | AFLAC | $42 | — | $42 | 0.08% |
| BENJAMIN O THOMPSON SR3 Filed as: BENJAMIN O. THOMPSON SR. | 2012 GAMELAW COURT MIDLOTHIAN, VA 23113 | AFLAC | $32 | — | $32 | 0.06% |
| DUANE A ADAMS3 Filed as: DUANE ADAMS | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $30 | — | $30 | 0.06% |
| DAPHNE L. PROCTOR3 | 606 NELWOOD RD. MANAKIN SABOT, VA 23103 | AFLAC | $21 | — | $21 | 0.04% |
| GAIL I BEAGLE3 | 323 HUNTS NECK RD POQUOSON, VA 23662 | AFLAC | $19 | — | $19 | 0.04% |
| HOLLY A BONIFACE3 Filed as: HOLLY A. BONIFACE | 6 WHIPPOORWILL LN PALMYRA, VA 22963 | AFLAC | $18 | — | $18 | 0.04% |
| CHRISTOPHER PARSONS3 | 193 BEACH RD POQUOSON, VA 23662 | AFLAC | $17 | — | $17 | 0.03% |
| LINDA E BARTON3 | 8322 BEN NEVIS DRIVE RICHMOND, VA 23225 | AFLAC | $16 | — | $16 | 0.03% |
| KEITH FRIZZELL3 | 945 STAR SHOOT PKWY STE 1204 LEXINGTON, KY 40509 | AFLAC | $15 | — | $15 | 0.03% |
| RICHARD C. CONOVER3 Filed as: RICHARD C CONOVER | 1183 DAWN DR. ST 201 REYNOLDSBURG, OH 43068 | AFLAC | $12 | — | $12 | 0.02% |
| ERIC FELDER3 | 4924 WYNN LN APT 204 MIDLOTHIAN, VA 23112 | AFLAC | $11 | — | $11 | 0.02% |
| KATRINA D AIKEN3 Filed as: KATRINA D. AIKEN | 2511 JUDITH ST LYNCHBURG, VA 24501 | AFLAC | $10 | — | $10 | 0.02% |
| AMELIA MORGAN3 | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $9 | — | $9 | 0.02% |
| SHEIZA KOMALA3 | 7202 SPRINGDALE DR REYNOLDSBURG, OH 43068 | AFLAC | $9 | — | $9 | 0.02% |
| HARE AND ASSOCIATES LLC3 | 6324 TARTON FIELDS LN MASON, OH 45040 | AFLAC | $9 | — | $9 | 0.02% |
| RICHARD KRESINSKE3 | 4004 ATLANTIC AVE APT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $8 | — | $8 | 0.02% |
| LEWIS GALE3 | 276 W MILLBROOK RD RALEIGH, NC 27609 | AFLAC | $6 | — | $6 | 0.01% |
| NICHOLAS WAGNER3 | 4665 HAYGOOD ROAD SUITE 402 VIRGINIA BEACH, VA 23455 | AFLAC | $6 | — | $6 | 0.01% |
| FAY MARTIN3 | 19220 FOREST RD LYNCHBURG, VA 24502 | AFLAC | $4 | — | $4 | 0.01% |
| KAREN DENISE HARR3 Filed as: KAREN HARR | PO BOX 456 PRINCE GEORGE, VA 23875 | AFLAC | $4 | — | $4 | 0.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3605 GLENWOOD AVE STE 201 RALEIGH, NC 27612 | VISION SERVICE PLAN (VSP) | $2K | — | $2K | 3.85% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | CIGNA GROUP INSURANCE | $2K | — | $2K | 15.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | PO BOX 211486 COLUMBIA, SC 29221 | CIGNA GROUP INSURANCE | — | $48 | $48 | 0.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 4819 EMPEROR BLVD DURHAM, NC 27703 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $74 | — | $74 | 4.81% |
| ROBERT W. FOXWORTH INC3 Filed as: ROBERT W. FOXWORTH INC. | 217 BRANCHSIDE HOLLY SPRINGS, NC 27540 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.91% |
| INSYNC BENEFITS INC3 Filed as: INSYNC BENEFITS INC. | P.O. BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF VIRGINIA INC EIN 54-0357120 NONE | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services; Other fees Service code 12 | 2221 EDWARD HOLLAND DRIVE RICHMOND, VA 23230 | $150K |
| HEALTHKEEPERS INC. EIN 54-1356687 NONE | Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other fees; Claims processing Service code 12 | 3350 PEACHTREE ROAD ATLANT, GA 303261039 | $88K |
| MCGRIFF INSURANCE SERVICES INC. EIN 54-1356687 NONE | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 113 S WAYNE AVENUE WAYNESBORO, VA 22980 | $0 |
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 | 401 | 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) | 405 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS AND BLUE SHIELD | 574 | $385K |
| Dental | DELTA DENTAL OF VIRGINIA | 598 | $157K |
| Vision | VISION SERVICE PLAN (VSP) | 215 | $46K |
| Life insurance | CIGNA GROUP INSURANCE | 401 | $101K |
| Short-term disability | CIGNA GROUP INSURANCE | 259 | $56K |
| Long-term disability | CIGNA GROUP INSURANCE | 173 | $54K |
| Prescription drug | ANTHEM BLUE CROSS AND BLUE SHIELD | 574 | $385K |
| Stop-loss / reinsurancereinsurance | ANTHEM BLUE CROSS AND BLUE SHIELD | 574 | $385K |
| Other(4 contracts, 3 carriers) | CIGNA GROUP INSURANCE | 438 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 598 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.