| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF INSURANCE SERVICES | 223 W NASH ST WILSON, NC 27893 | HEALTHKEEPERS INC | $12K | — | $12K | 2.66% |
| LUNSFORD FINANCIAL SERVICES INC3 | 16 EAST CHURCH AVE ROANOKE, VA 24011 | ANTHEM HEALTH PLANS OF VIRGINIA INC | — | — | $0 | 0.00% |
| CHARLOTTE RGO3 | BOON CHAPMAN BENEFIT ADMIN BLDG I, SUITE 100 AUSTIN, TX 78729 | AMERICA UNITED LIFE INSURANCE COMPANY | $8K | — | $8K | 12.28% |
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF INS SVCS INC | 223 W NASH ST WILSON, NC 27893 | AMERICA UNITED LIFE INSURANCE COMPANY | $4K | — | $4K | 5.77% |
| AMERITAS LIFE INSURANCE CORP | PO BOX 81889 LINCOLN, NE 68501 | AMERITAS LIFE INSURANCE CORP. | — | — | $0 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $888 | — | $888 | 20.00% |
| GIS BENEFITS INC Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $222 | — | $222 | 5.00% |
| ADMINISTRATORS, INC, BOON-CHAPMAN B Filed as: ADMINISTRATORS, INC. BOON-CHAPMAN B | 9401 AMBERGLEN BLVD AUSTIN, TX 78729 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $744 | — | $744 | 19.99% |
| GIS BENEFITS INC Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $186 | — | $186 | 5.00% |
| ADMINISTRATORS, INC, BOON-CHAPMAN B Filed as: ADMINISTRATORS, INC. BOON-CHAPMAN B | 9401 AMBERGLEN BLVD AUSTIN, TX 78729 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 308 | 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) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHKEEPERS INC | 308 | $761K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 215 | $40K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA INC | 240 | $359K |
| Life insurance | AMERICA UNITED LIFE INSURANCE COMPANY | 191 | $64K |
| Short-term disability | AMERICA UNITED LIFE INSURANCE COMPANY | 191 | $64K |
| Long-term disability | AMERICA UNITED LIFE INSURANCE COMPANY | 191 | $64K |
| Other(3 contracts, 2 carriers) | AMERICA UNITED LIFE INSURANCE COMPANY | 191 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.