| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDWIN WHITE3 | 38 ROUSS AVENUE SUITE 100 WINCHESTER, VA 22601 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $67K | — | $67K | 3.70% |
| MCGRIFF INSURANCE SERVICES INC3 | EB COMMISSIONS PO BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $1K | $9K | 11.80% |
| MCGRIFF INSURANCE SERVICES INC3 | EB COMMSSIONS PO BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $909 | $7K | 11.52% |
| MCGRIFF INSURANCE SERVICES INC3 | EB COMMISSIONS PO BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $1K | $6K | 12.18% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 3605 GLENWOOD AVE SUITE 201 RALEIGH, NC 27612 | HM LIFE INSURANCE COMPANY | $755 | — | $755 | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | EB COMMISSIONS PO BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $805 | $191 | $996 | 12.37% |
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 | 206 | 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) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 347 | $1.8M |
| Dental | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 347 | $1.8M |
| Vision | HM LIFE INSURANCE COMPANY | 283 | $15K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 189 | $57K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 99 | $52K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 243 | $73K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 243 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.