| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | PO BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | — | $19K | 15.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | PO BOX 211486 COLUMBIA, SC 29221 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 4.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 17.92% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | PO BOX 211486 COLUMBIA, SC 29221 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $417 | $417 | 0.78% |
| MCGRIFF INSURANCE SERVICES INC3 | 3201 BEECHLEAF CT RALEIGH, NC 27604 | VISION SERVICE PLAN (VSP) | $2K | — | $2K | 3.66% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | CIGNA GROUP INSURANCE | $7K | — | $7K | 13.68% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | PO BOX 211486 COLUMBIA, SC 29221 | CIGNA GROUP INSURANCE | — | $2K | $2K | 3.92% |
| LANCE PITTMAN LLC3 Filed as: LANCE C PITTMAN | 125 LITTLE HAWK PLACE MIDLOTHIAN, VA 23114 | AFLAC | $3K | $40 | $3K | 8.30% |
| FELICIA BAKER3 | 804 MOOREFIELD PARK DR. STE 108 RICHMOND, VA 23236 | AFLAC | $474 | $8 | $482 | 1.38% |
| MARVIN S THOMPSON3 | 615 KERRI COVE CT. APT 202 MIDLOTHIAN, VA 23113 | AFLAC | $375 | — | $375 | 1.07% |
| GENIA ANNE TENCH3 | 804 MOOREFIELD PARK DRIVE STE 108 RICHMOND, VA 23236 | AFLAC | $255 | $8 | $263 | 0.75% |
| ROBERT A ROBERTSON3 | 12791 BUTLERS ROAD AMELIA COURT HOUSE, VA 23002 | AFLAC | $136 | — | $136 | 0.39% |
| HEYWARD RICHARDSON JR3 Filed as: HEYWARD RICHARDSON JR. | 140 WILDEWOOD PARK DR STE 108 STE 1020 COLUMBIA, SC 29223 | AFLAC | $121 | — | $121 | 0.35% |
| DAVID N MORGAN3 Filed as: DAVID N. MORGAN | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $89 | — | $89 | 0.25% |
| PETER R ROUGHTON JR3 | 1015 MANAKIN ROAD MANAKIN SABOT, VA 23103 | AFLAC | $80 | — | $80 | 0.23% |
| MARK D LUTHER3 | 1400 MAIN STREET APT 610 CANONSBURG, PA 15317 | AFLAC | $60 | — | $60 | 0.17% |
| THOMAS E HATCHER JR3 Filed as: THOMAS E. HATCHER JR. | 1588 BAYTREE DRIVE HARRELLS, NC 27408 | AFLAC | $45 | — | $45 | 0.13% |
| CHRIS CRAFT3 | P.O. BOX 115 DUNDAS, VA 23938 | AFLAC | $42 | — | $42 | 0.12% |
| BENJAMIN O THOMPSON SR3 Filed as: BENJAMIN O. THOMPSON SR. | 2012 GAMELAW COURT MIDLOTHIAN, VA 23113 | AFLAC | $30 | — | $30 | 0.09% |
| JEREMY J SABO3 | 188 CORVINA DRIVE CLAYTON, NC 27520 | AFLAC | $28 | — | $28 | 0.08% |
| DAPHNE L. PROCTOR3 | 606 NELWOOD RD. MANAKIN SABOT, VA 23103 | AFLAC | $28 | — | $28 | 0.08% |
| DUANE A ADAMS3 Filed as: DUANE ADAMS | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $26 | — | $26 | 0.07% |
| HOLLY A BONIFACE3 Filed as: HOLLY A. BONIFACE | 6 WHIPPOORWILL LN PALMYRA, VA 22963 | AFLAC | $24 | — | $24 | 0.07% |
| JOSHUA C BURTON3 Filed as: JOSHUA C. BURTON | 2819 N. PARHAM RD SUITE 240 RICHMOND, VA 23294 | AFLAC | $23 | — | $23 | 0.07% |
| KEITH FRIZZELL3 | 945 STAR SHOOT PKWY LEXINGTON, KY 40509 | AFLAC | $22 | — | $22 | 0.06% |
| DAVID C BERRY3 Filed as: DAVID BERRY | 2545 HEATHWAY DR FLORENCE, SC 29501 | AFLAC | $20 | — | $20 | 0.06% |
| LINDA E BARTON3 | 8322 BEN NEVIS DRIVE RICHMOND, VA 23225 | AFLAC | $19 | — | $19 | 0.05% |
| ROY D MUNSTER3 Filed as: ROY D. MUNSTER | 8332 CHARING LN GLEN ALLEN, VA 23059 | AFLAC | $17 | — | $17 | 0.05% |
| RICHARD C. CONOVER3 Filed as: RICHARD C CONOVER | 1183 DAWN DR. ST 201 REYNOLDSBURG, OH 43068 | AFLAC | $17 | — | $17 | 0.05% |
| CHRISTOPHER PARSONS3 | 193 BEACH RD POQUOSON, VA 23662 | AFLAC | $15 | — | $15 | 0.04% |
| KATRINA D AIKEN3 Filed as: KATRINA D. AIKEN | 2511 JUDITH ST LYNCHBURG, VA 24501 | AFLAC | $13 | — | $13 | 0.04% |
| SHEIZA KOMALA3 | 7202 SPRINGDALE DR REYNOLDSBURG, OH 43068 | AFLAC | $13 | — | $13 | 0.04% |
| HARE AND ASSOCIATES LLC3 | 6324 TARTON FIELDS LN MASON, OH 45040 | AFLAC | $13 | — | $13 | 0.04% |
| ERIC FELDER3 | 2905 LAKE POINT DR APT 1 D MIDLOTHIAN, VA 23112 | AFLAC | $10 | — | $10 | 0.03% |
| AMELIA MORGAN3 | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $8 | — | $8 | 0.02% |
| RICHARD KRESINSKE3 | 4004 ATLANTIC AVE APT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $7 | — | $7 | 0.02% |
| FAY MARTIN3 | 19220 FOREST RD LYNCHBURG, VA 24502 | AFLAC | $6 | — | $6 | 0.02% |
| LEWIS GALE3 | 276 W MILLBROOK RD RALEIGH, NC 27609 | AFLAC | $5 | — | $5 | 0.01% |
| KAREN DENISE HARR3 | PO BOX 456 PRINCE GEORGE, VA 23875 | AFLAC | $5 | — | $5 | 0.01% |
| DARREN L BRUNO3 | 1224 WESTWOOD DR LEWIS CENTER, OH 43035 | AFLAC | $3 | — | $3 | 0.01% |
| RUSSELL TINNEY3 | 3440 TORRINGTON WAY APT 7 FAYETTEVILLE, VA 28314 | AFLAC | $2 | — | $2 | 0.01% |
| MARKUS MUELLER3 Filed as: MARKUS MEULLER | 1820 WILDCAT CV HUTCHINSON ISLAND, FL 34949 | AFLAC | $1 | — | $1 | 0.00% |
| MARKUS MUELLER3 | 633 NE MUSKRAT RUN PORT ST LUCIE, FL 34983 | AFLAC | $1 | — | $1 | 0.00% |
| MARK D LUTHER3 | 804 MOOREFIELD PARK DR STE 205 NORTH CHESTERFIELD, VA 23236 | AFLAC | $1 | — | $1 | 0.00% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $1 | — | $1 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 13.64% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | PO BOX 211486 COLUMBIA, SC 29221 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $523 | $523 | 3.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 4819 EMPEROR BLVD DURHAM, NC 27703 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 6.85% |
| ROBERT W. FOXWORTH INC3 Filed as: ROBERT W. FOXWORTH INC. | 217 BRANCHSIDE HOLLY SPRINGS, NC 27540 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 1.31% |
| INSYNC BENEFITS INC3 Filed as: INSYNC BENEFITS INC. | P.O. BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.33% |
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 | 269 | 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) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN (VSP) | 584 | $58K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 370 | $127K |
| Short-term disability | CIGNA GROUP INSURANCE | 252 | $50K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 165 | $53K |
| Other(3 contracts, 3 carriers) | AFLAC | 199 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 584 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.