| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $18K | $18K | 2.25% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $13K | $13K | 1.70% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | ANTHEM LIFE INSURANCE COMPANY | $12K | — | $12K | 9.53% |
| JAMES A SCOTT & SON INC3 | 628 GREEN VALLEY ROAD SUITE 306 GREENSBORO, NC 27408 | ANTHEM LIFE INSURANCE COMPANY | $7K | $3K | $10K | 8.28% |
| BENEFIT COMPANY INC OF SC3 Filed as: BENEFIT COMPANY INC OF SOUTH CAROLI | PO BOX 211486 COLUMBIA, SC 29221 | ANTHEM LIFE INSURANCE COMPANY | $330 | — | $330 | 0.27% |
| MCGRIFF INSURANCE SERVICES INC3 | 2200 OLD BRICK ROAD SUITE A8101 GLEN ALLEN, VA 23060 | VISION SERVICE PLAN | $603 | — | $603 | 3.96% |
| JAMES A SCOTT & SON INC3 | 3900 WESTERRE PARKWAY RICHMOND, VA 23233 | VISION SERVICE PLAN | $333 | — | $333 | 2.19% |
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 | 172 | 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) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 123 | $791K |
| Vision | VISION SERVICE PLAN | 148 | $15K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 170 | $124K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 170 | $124K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 170 | $124K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 170 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.