| 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 | $3K | $24K | $27K | 3.20% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 117 SLAYDEN DRIVE THOMASTON, GA 30286 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | — | $7K | $7K | 9.15% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE INC | 2108 LABURNAM AVENUE SUITE 310 RICHMOND, VA 23227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $2K | $13K | 17.03% |
| MCGRIFF INSURANCE SERVICES INC3 | 2108 WEST LABURNAM AVE SUITE 310 RICHMOND, VA 23227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $608 | $5K | 17.05% |
| MCGRIFF INSURANCE SERVICES INC3 | 2108 LABURNAM AVENUE SUITE 310 RICHMOND, VA 23227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $337 | $2K | 14.06% |
| MCGRIFF INSURANCE SERVICES INC3 | 2108 WEST LABURNAM AVENUE SUITE 310 RICHMOND, VA 23227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $348 | $3K | 17.24% |
| 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 | $562 | — | $562 | 4.59% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 8200 GREENSBORO DRIVE MCLEAN, VA 22102 | DELTA DENTAL OF VIRGINIA | — | — | $0 | — |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 110 | $922K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 110 | $843K |
| Vision | EYEMED VISION CARE O/B/O THE FIDELITY SECURITY LIFE INSURANCE COMPANY | 152 | $12K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $32K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $78K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $30K |
| Prescription drug | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 21 | $79K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.