| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE INSURANCE GROUP3 Filed as: INSURANCE SERVICES INC. | 125 N CENTRAL AVE, 2ND FL ATTN COMMISSIONS STAUNTON, VA 24401 | SENTARA HEALTH PLAN | $19K | — | $19K | 2.78% |
| THE INSURANCE GROUP3 Filed as: INSURANCE SERVICES INC. | 125 N CENTRAL AVE, 2ND FL ATTN COMMISSIONS STAUNTON, VA 24401 | SENTARA HEALTH PLAN | $11K | — | $11K | 2.44% |
| THE INSURANCE GROUP3 Filed as: INSURANCE SERVICES INC. | 125 N CENTRAL AVE, 2ND FL ATTN COMMISSIONS STAUNTON, VA 24401 | SENTARA HEALTH PLAN | $6K | — | $6K | 3.64% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 47 AIRPARK CT PO BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP. | — | $5K | $5K | 5.60% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | AMERITAS LIFE INSURANCE CORP. | — | $684 | $684 | 0.79% |
| CHARLOTTE RGO3 | BOON CHAPMAN BENEFIT ADMIN BLDG I, SUITE 100 AUSTIN, TX 78729 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $6K | $6K | 11.96% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $135 | $2K | 21.62% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $417 | — | $417 | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $45 | $45 | 0.54% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $188 | $2K | 22.35% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $399 | — | $399 | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $63 | $63 | 0.79% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | RELIANCE STANDARD INSURANCE COMPANY | $903 | $120 | $1K | 22.66% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD INSURANCE COMPANY | $226 | — | $226 | 5.01% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD INSURANCE COMPANY | — | $40 | $40 | 0.89% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | RELIANCE STANDARD INSURANCE COMPANY | $840 | $118 | $958 | 22.81% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD INSURANCE COMPANY | $210 | — | $210 | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD INSURANCE COMPANY | — | $39 | $39 | 0.93% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts) | SENTARA HEALTH PLAN | 69 | $1.3M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 209 | $86K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 209 | $86K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 122 | $47K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 122 | $47K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 122 | $47K |
| Other(5 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 122 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.