| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3150 MAIN STREET HARRISONBURG, VA 22801 | ANTHEM LIFE INSURANCE COMPANY | $10K | $3K | $13K | 20.06% |
| REBECCA F SMITH3 | 5040 SADLER PLACE SUITE 110 GLEN ALLEN, VA 23060 | AFLAC | $5K | $177 | $5K | 8.70% |
| JEFFREY SCOTT GIBSON3 | 3009 HUNTON COTTAGE LANE GLEN ALLEN, VA 23059 | AFLAC | $1K | — | $1K | 1.95% |
| ELIZABETH ANNE BUCHANAN3 | 3401 HUNTON RIDGE DRIVE GLEN ALLEN, VA 23059 | AFLAC | $719 | — | $719 | 1.26% |
| GENIA ANNE TENCH3 | 804 MOOREFIELD PARK DRIVE-STE 108 RICHMOND, VA 23236 | AFLAC | $477 | — | $477 | 0.84% |
| JOLENE F PALMORE3 | 5040 SADLER PLACE SUITE 110 GLEN ALLEN, VA 23060 | AFLAC | $422 | — | $422 | 0.74% |
| TAMMY MARIE MINOR3 | 7448 COMMERCE WAY - STE A RUTHER GLEN, VA 22546 | AFLAC | $368 | — | $368 | 0.64% |
| THE DIAMOND AGENCY LLC3 | 1017 ASHES DRIVE-#106 WILMINGTON, NC 28405 | AFLAC | $335 | — | $335 | 0.59% |
| TAMMY MARIE MINOR3 | 18039 JEFFERSON DAVIS HWY-STE 234 RUTHER GLEN, VA 22546 | AFLAC | $259 | $35 | $294 | 0.51% |
| PHYLLIS DAWN HESLEP3 | 4805 LAKE BROOK DRIVE-SUITE 220 GLEN ALLEN, VA 23060 | AFLAC | $234 | — | $234 | 0.41% |
| DONALD HEATH RIVERS3 | 21514 WARREN AVE. PETERSBURG, VA 23803 | AFLAC | $150 | — | $150 | 0.26% |
| ELIZABETH FOUNTAIN3 | 18014 JEFFERSON DAVIS HWY., PO BOX 364 LADYSMITH, VA 22501 | AFLAC | $148 | — | $148 | 0.26% |
| TIMOTHY CAVAZOS3 | 108 ANDREW LINDSEY WILLIAMSBURG, VA 23185 | AFLAC | $85 | $35 | $120 | 0.21% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PLACE MANAKIN SABOT, VA 23103 | AFLAC | $111 | — | $111 | 0.19% |
| JOEL WATERS3 | 3106 ENSLOW AVE. RICHMOND, VA 23222 | AFLAC | $89 | — | $89 | 0.16% |
| ELIZABETH FOUNTAIN3 | 909 PERRY ST-APT 215 RICHMOND, VA 23224 | AFLAC | $85 | — | $85 | 0.15% |
| KRISTI ENDRES3 | 1305 22ND ST NE WATERTOWN, SD 57201 | AFLAC | $54 | $11 | $65 | 0.11% |
| JANELL R FRANK3 Filed as: JANELL R. FRANK | 603 JEFFERSON DAVIS HWY-STE 201 FREDERICKSBURG, VA 22401 | AFLAC | $46 | — | $46 | 0.08% |
| RUEANN M EMERSON3 | 1017 ASHES DRIVE-#106 WILMINGTON, NC 28405 | AFLAC | $36 | — | $36 | 0.06% |
| JUDY L MCCULLOUGH3 | PO BOX 449 FOREST, VA 24551 | AFLAC | $33 | — | $33 | 0.06% |
| JOSHUA C BURTON3 | 2819 N PARHAM ROAD-STE 240 RICHMOND, VA 23294 | AFLAC | $33 | — | $33 | 0.06% |
| DUANE A ADAMS3 | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | AFLAC | $30 | — | $30 | 0.05% |
| GENIA ANNE TENCH3 | 6174 POLE GREEN ROAD MECHANICSVILLE, VA 23116 | AFLAC | $30 | — | $30 | 0.05% |
| NEFZGER ENTERPRISES INC3 | 524 W LAKE DRIVE LAKE NORDEN, SD 57248 | AFLAC | $23 | $6 | $29 | 0.05% |
| JENNIFER TENCH3 | 1902 DORRELL ROAD AYLETT, VA 23009 | AFLAC | $28 | — | $28 | 0.05% |
| JENNIFER TENCH3 | 1299 LOCUST HILL ROAD AYLETT, VA 23009 | AFLAC | $18 | — | $18 | 0.03% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 1904 ELLIS DRIVE MAIDENS, VA 23012 | AFLAC | $15 | — | $15 | 0.03% |
| JESSICA M GAINES3 Filed as: JESSICA GAINES | 10809 KING WILLIAM ROAD-APT 4A AYLETT, VA 23009 | AFLAC | $15 | — | $15 | 0.03% |
| DAVID EMERSON3 | 1017 ASHES DRIVE-STE 106 WILLMINGTON, NC 28405 | AFLAC | $14 | — | $14 | 0.02% |
| MARK D LUTHER3 | 804 MOOREFIELD PARK DRIVE SUITE 205 NORTH CHESTERFIELD, VA 23236 | AFLAC | $11 | — | $11 | 0.02% |
| SHON FORD LLC3 | 427 N BROADWAY AVE MILLER, SD 57362 | AFLAC | $8 | $3 | $11 | 0.02% |
| JOHN A HAWLEY3 | 116 PICKENS COURT KINGSPORT, TN 37663 | AFLAC | $6 | — | $6 | 0.01% |
| HEATHER HESLEP3 Filed as: HEATHER MEGAN HESLEP | 107 HUGER STREET KINGSPORT, TN 37663 | AFLAC | $5 | — | $5 | 0.01% |
| HUMPHREY STUMP & HAYNIE INS AGENCY3 Filed as: HUMPHREY STUMP & HAYNIE INS. AGENCY | 100 E MAIN ST SALEM, VA 24153 | AFLAC | $5 | — | $5 | 0.01% |
| HEATHER HESLEP3 Filed as: HEATHER MEGAN HESLEP | 3815 BARNYARD TRAIL GLEN ALLEN, VA 31326 | AFLAC | $5 | — | $5 | 0.01% |
| RUSSELL TINNEY3 | 3440 TORRINGTON WAY-APT 7 FAYETTEVILLE, VA 28314 | AFLAC | $4 | — | $4 | 0.01% |
| CHRISTOPHER W ROBERTS3 Filed as: CHRISTOPHER W. ROBERTS | 2474 GREEN POINT LANE DENVER, NC 28037 | AFLAC | $4 | — | $4 | 0.01% |
| LANCE PITTMAN LLC3 | 125 LITTLE HAWK PLACE MIDLOTHIAN, VA 23114 | AFLAC | $1 | — | $1 | 0.00% |
| RICHARD L ATKINSON3 | 3151 FLOYD AVE RICHMOND, VA 23221 | AFLAC | $1 | — | $1 | 0.00% |
| TOM PUTNAM3 | 9045 STUMPY ROAD ASHLAND, VA 23005 | AFLAC | $1 | — | $1 | 0.00% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 47 AIRPARK COURT PO BOX 27149 GREENVILLE, SC 29616 | AMERITAS LIFE INSURANCE CORP. | — | $312 | $312 | 1.99% |
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 | 480 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 485 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AFLAC | 274 | $106K |
| Vision(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 274 | $64K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 480 | $64K |
| Short-term disability(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 480 | $121K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 480 | $64K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 480 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 480 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.