| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 292216486 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 6.69% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 274099047 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $848 | $2K | 2.09% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | EB COMMISSIONS PO BOX 896620 CHARLOTTE, NC 282896620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $146 | $2K | 6.56% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $833 | — | $833 | 9.00% |
| BENEFIT SPECIALISTS OF VA, INC.3 | 1925 CUBA LANE HAYES, VA 23072 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $128 | — | $128 | 5.68% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52 | — | $52 | 2.31% |
| MRM & ASSOCS OF AMERICA LTD3 | 32 OLD HICKORY PITTSBORO, NC 27312 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | — | $32 | 1.42% |
| MICHELLE DAWN HYDE LAWSON3 | PO BOX 443 LOVINGSTON, PA 22949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | — | $31 | 1.38% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28217 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.67% |
| COREY HYDE3 | 923 EAST MARKET STREET SUITE B CHARLOTTESVILLE, VA 22902 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.35% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH, INC. | 160 | $943K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 162 | $108K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 162 | $108K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 162 | $118K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 28 | $26K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 162 | $108K |
| Other(4 contracts, 4 carriers) | AETNA HEALTH, INC. | 162 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.