| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN | 1166 AVENUE OF THE AMERICA 24TH FLOOR NEW YORK, NY 10036 | SENTARA HEALTH PLANS | $11K | — | $11K | 4.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN | 1166 AVENUE OF THE AMERICA 24TH FLOOR NEW YORK, NY 10036 | SENTARA HEALTH PLANS | $9K | — | $9K | 4.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN | 1166 AVENUE OF THE AMERICA 24TH FLOOR NEW YORK, NY 10036 | SENTARA HEALTH PLANS | $4K | — | $4K | 3.91% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CTR DR STE 1800 GREENSBORO, NC 27409 | ANTHEM LIFE INSURANCE COMPANY | $4K | — | $4K | 12.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 10 FRANKLIN RD SE FL 1 ROANOKE, VA 24011 | DELTA DENTAL OF VIRGINIA | $2K | — | $2K | 7.03% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CTR DR STE 1800 GREENSBORO, NC 27409 | ANTHEM LIFE INSURANCE COMPANY | $4K | — | $4K | 16.83% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 274099047 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 7.10% |
| JUDY L MCCULLOUGH3 Filed as: JUDY MCCULLOUGH & ASSOC INC | PO BOX 449 FOREST, VA 24551 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $806 | — | $806 | 4.31% |
| BISHOP LONA3 | PO BOX 20753 ROANOKE, VA 24018 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $227 | — | $227 | 1.21% |
| UNITED BENEFITS LLC3 | 3295 COUNTY ROAD 47 FLORENCE, AL 35630 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $93 | — | $93 | 0.50% |
| WARE MARK A3 | 310 SHOREWOOD DR MINERAL, VA 23117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.12% |
| KRESZL, DOUGLAS, ALAN3 Filed as: KRESZL DOUGLAS | 940 WEST VALLEY ROAD SUITE 1302 WAYNE, PA 19087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.05% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CTR DR STE 1800 GREENSBORO, NC 27409 | ANTHEM LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | AMERITAS LIFE INSURANCE CORP. | $594 | — | $594 | 7.56% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 47 AIRPARK CT PO BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP. | — | $289 | $289 | 3.68% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 10 FRANKLIN RD SE STE 100 ROANOKE, VA 240112113 | AMERITAS LIFE INSURANCE CORP. | $191 | — | $191 | 2.43% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | SENTARA HEALTH PLANS | 46 | $567K |
| Dental | DELTA DENTAL OF VIRGINIA | 108 | $30K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 158 | $8K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 112 | $22K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 60 | $18K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 112 | $31K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 112 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.