| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | OPTIMA HEALTH PLAN | $19K | — | $19K | 3.48% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | OPTIMA HEALTH PLAN | $4K | — | $4K | 2.74% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | OHIC PPO | $4K | — | $4K | 4.69% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 292216486 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $2K | $4K | 6.62% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS. SVCS, INC. - BARGER | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 274099693 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $190 | $2K | 3.70% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 315 GREEN RIDGE RD, STE H1 NEW CASTLE, PA 16105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 1425 SEMINOLE TRAIL 2ND FLOOR CHARLOTTESVILLE, VA 22906 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $57 | $1K | 6.30% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 315 GREEN RIDGE RD SUITE H1 NEW CASTLE, PA 16105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $366 | — | $366 | 9.00% |
| BENEFIT SPECIALISTS OF VA, INC.3 | PO BOX 2164 POQUOSON, VA 23662 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $124 | — | $124 | 8.73% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE RD SUITE H-1 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $51 | — | $51 | 3.59% |
| MRM & ASSOCS OF AMERICA LTD3 | 6265 SMOKEY RIDGE RD ROANOKE, VA 24018 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | — | $32 | 2.25% |
| MICHELLE DAWN HYDE LAWSON3 | PO BOX 14 SHIPMAN, VA 22971 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | — | $30 | 2.11% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SVCS INC | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.91% |
| COREY HYDE3 | 923 EAST MARKET STREET SUITE B CHARLOTTESVILLE, VA 22902 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.49% |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 98 | $762K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 163 | $61K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 163 | $65K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 16 | $19K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 163 | $61K |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 163 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.