| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDWIN WHITE3 | 38 ROUSS AVE #100 WINCHESTER, VA 226014738 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $91K | — | $91K | 4.64% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 38 ROUSS AVE #100 WINCHESTER, VA 226014738 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $3K | $5K | 19.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $294 | $2K | 6.06% |
| MCGRIFF INSURANCE SERVICES INC3 | 38 ROUSS AVE #100 WINCHESTER, VA 226014738 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $2K | $4K | 19.06% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $217 | $1K | 6.06% |
| MCGRIFF INSURANCE SERVICES INC3 | 38 ROUSS AVE #100 WINCHESTER, VA 226014738 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $2K | $3K | 19.16% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $869 | $186 | $1K | 6.07% |
| MCGRIFF INSURANCE SERVICES INC3 | 38 ROUSS AVE #100 WINCHESTER, VA 226014738 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $919 | $718 | $2K | 17.82% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $459 | $101 | $560 | 6.10% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 38 ROUSS AVE #100 WINCHESTER, VA 226014738 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $839 | — | $839 | 10.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | 9401 AMBERGLEN BLVD BLDG 1 SUITE 100 AUSTIN, TX 78729 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $419 | — | $419 | 5.00% |
| MARK J MATSOCK & ASSOCIATES INC3 Filed as: MARK METTLE | GROUP INSURANCE SERVICES INC. 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $419 | — | $419 | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 38 ROUSS AVE #100 WINCHESTER, VA 226014738 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $329 | $4K | 50.97% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $408 | $82 | $490 | 6.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 38 ROUSS AVE #100 WINCHESTER, VA 226014738 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $224 | $3K | 50.24% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $328 | $56 | $384 | 5.86% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 180 | $2.0M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 301 | $65K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 301 | $65K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 183 | $27K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 183 | $20K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 183 | $28K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 183 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.