| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 10265 BIRMINGHAM, AL 35202 | ANTHEM LIFE INSURANCE COMPANY | $31K | $0 | $31K | 10.00% |
| VIRGINIA MANUFACTURERS ASSOCIATION3 | 2108 W LABURNUM AVE STE 230 HENRICO, VA 23233 | ANTHEM LIFE INSURANCE COMPANY | $16K | $0 | $16K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28217 | COMBINED INSURANCE | $21K | $0 | $21K | 45.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | PO BOX 211486 COLUMBIA, SC 29221 | COMBINED INSURANCE | $21K | $0 | $21K | 45.00% |
| VIRGINIA MANUFACTURERS ASSOCIATION3 | 2108 W LABURNUM AVE STE 230 HENRICO, VA 23233 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $2K | $0 | $2K | 6.33% |
| MCGRIFF INSURANCE SERVICES INC3 | P0 BOX 10265 BIRMINGHAM, AL 35202 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $2K | $0 | $2K | 6.33% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $103 | $0 | $103 | 1.37% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS INC | PO BOX 896620 CHARLOTTE, NC 28217 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $101 | $0 | $101 | 1.34% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS | 325 CHESTNUT STREET STE 1000 PHILADELPHIA, PA 19106 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | $0 | $7 | 0.09% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 23.79% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS INC | PO BOX 896620 CHARLOTTE, NC 28217 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 23.77% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS | 325 CHESTNUT STREET STE 1000 PHILADELPHIA, PA 19106 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $103 | $0 | $103 | 2.36% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $527 | $0 | $527 | 24.09% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS INC | PO BOX 896620 CHARLOTTE, NC 28217 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $522 | $0 | $522 | 23.86% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS | 325 CHESTNUT STREET STE 1000 PHILADELPHIA, PA 19106 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43 | $0 | $43 | 1.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 ADMIN | Contract Administrator Service code 13 | — | $17K |
| INGENIORX, INC. ADMIN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Float revenue; Claims processing Service code 12 | 450 HEADQUARTERS PLAZA, 7TH FLOOR E MORRISTOWN, NJ 07960 | $2K |
| BENEFIT COMPANY INC OF SC BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | PO BOX 211486 COLUMBIA, SC 29221 | $0 |
| MARCOS LOPEZ BROKER | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | 15 NARBROOK PARK NARBERTH, PA 19072 | $0 |
| MCGRIFF INSURANCE SERVICES INC BROKER | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | 223 W NASH ST WILSON, NC 27893 | $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 | 388 | 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) | 388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 963 | $34K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 388 | $312K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 388 | $312K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 388 | $312K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 963 | $34K |
| Other(5 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY | 388 | $373K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 963 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.