| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $17K | $17K | 2.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, MCGRIFF | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $4K | $4K | 0.48% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | AETNA LIFE INSURANCE COMPANY | $10K | — | $10K | 9.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 8200 GREENSBORO DRIVE MCLEAN, VA 22102 | DELTA DENTAL OF VIRGINIA | $5K | — | $5K | 5.79% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE INC | 2108 LABURNAM AVENUE SUITE 310 RICHMOND, VA 23227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $5K | $15K | 21.45% |
| MCGRIFF INSURANCE SERVICES INC3 | 2108 WEST LABURNAM AVE SUITE 310 RICHMOND, VA 23227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 21.47% |
| MCGRIFF INSURANCE SERVICES INC3 | 2108 WEST LABURNAM AVENUE SUITE 310 RICHMOND, VA 23227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $938 | $3K | 21.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 2108 LABURNAM AVENUE SUITE 310 RICHMOND, VA 23227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $925 | $3K | 18.45% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3975 FAIR RIDGE DRIVE SUITE 110N FAIRFAX, VA 22033 | EYEMED VISION CARE O/B/O THE FIDELITY SECURITY LIFE INSURANCE COMPANY | $492 | — | $492 | 4.52% |
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 | 86 | 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) | 86 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 109 | $730K |
| Dental | DELTA DENTAL OF VIRGINIA | 185 | $81K |
| Vision | EYEMED VISION CARE O/B/O THE FIDELITY SECURITY LIFE INSURANCE COMPANY | 159 | $11K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 95 | $30K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 86 | $70K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 86 | $26K |
| Other(4 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 136 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.