| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3318 W FRIENDLY AVE GREENSBORO, NC 27410 | AETNA | $13K | — | $13K | 4.46% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 125 N CENTRAL AVE FL 2 STAUNTON, VA 244013308 | AMERITAS LIFE INSURANCE CORP. | $1K | — | $1K | 6.09% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 47 AIRPARK CT PO BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP. | — | $493 | $493 | 2.82% |
| MCGRIFF INSURANCE SERVICES INC3 | 328 SOUTH MAIN STREET HARRISONBURG, VA 22801 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $804 | — | $804 | 11.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 328 SOUTH MAIN STREET HARRISONBURG, VA 22801 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.01% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $590 | — | $590 | 8.24% |
| LONA BISHOP3 | P O BOX 645 LURAY, VA 22835 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $543 | — | $543 | 7.58% |
| MARK WARE3 Filed as: MARK A WARE | 310 SHOREWOOD DR MINERAL, VA 23117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52 | — | $52 | 0.73% |
| MCGRIFF INSURANCE SERVICES INC3 | 328 SOUTH MAIN STREET HARRISONBURG, VA 22801 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $581 | — | $581 | 11.00% |
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 | 159 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 36 | $285K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 70 | $18K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 70 | $18K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 124 | $5K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 27 | $7K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 27 | $7K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 124 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.