| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 4309 EMPEROR BLVD STE 300 DURHAM, ND 27703 | RELIASTAR LIFE INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| BENE RE LLC3 | 5217 MONROE ST STE B TOLEDO, OH 43623 | RELIASTAR LIFE INSURANCE COMPANY | — | $9K | $9K | 8.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 2108 WEST LABURNAM AVE STE 310 RICHMOND, VA 23227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $9K | $30K | 28.39% |
| MCGRIFF INSURANCE SERVICES INC3 | 2108 WEST LABURNAM AVE STE 310 RICHMOND, VA 23227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $8K | $28K | 28.53% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 2108 W.LABURNUM AVE STE 310 RICHMOND, VA 23227 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $2K | $18K | 18.76% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 2108 W LABURNUM AVE STE 310 RICHMOND, VA 23227 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $2K | $16K | 17.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 2108 WEST LABURNAM AVE STE 310 RICHMOND, VA 23227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $10K | $26K | 32.82% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 27612 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $7K | — | $7K | 9.17% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 2108 W. LABURNUM AVE STE 310 RICHMOND, VA 23227 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $1K | $12K | 17.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 2108 WEST LABURNAM AVE STE 310 RICHMOND, VA 23227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $5K | $17K | 29.55% |
| MCGRIFF INSURANCE SERVICES INC3 | 2108 WEST LABURNHAM AVE STE 310 RICHMOND, VA 23227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $9K | 30.17% |
| MCGRIFF INSURANCE SERVICES INC3 | 2108 WEST LABURNAM AVE STE 310 RICHMOND, VA 23227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 28.47% |
| EMPLOYEE FAMILY PROTECTION INC3 | ATTN MICHAEL STEPNOWSKI PO BOX 1237 GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $357 | — | $357 | 3.19% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $162 | — | $162 | 1.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 12882 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.05% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROCTECTION INC | ATTN MICHAEL STEPNOWSKI PO BOX 1237 GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $35 | — | $35 | 4.13% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15 | — | $15 | 1.77% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3605 GLENWOOD AVE #201 RALEIGH, NC 27612 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $63 | — | $63 | 9.04% |
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 | 1,158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 32 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | SENTARA HEALTH PLANS | 1,025 | $532K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,066 | $75K |
| Life insurance(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 951 | $260K |
| Short-term disability(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 944 | $278K |
| Long-term disability(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 951 | $226K |
| Other(5 contracts, 5 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 944 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,066 | — |
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.
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.