| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 300 SUMMERS STREET, STE 650 CHARLESTON, WV 25301 | HIGHMARK BLUE CROSS BLUE SHIELD OF WEST VIRGINIA | $66K | — | $66K | 3.43% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3150 SOUTH MAIN STREET HARRISONBURG, VA 22801 | PRINCIPAL LIFE INSURANCE COMPANY | $27K | $2K | $28K | 10.19% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | 1612 MARION STREET COLUMBIA, SC 29201 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $14K | $23K | 8.12% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DRIVE SUITE 210 GREENSBORO, NC 27409 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.49% |
| EMPLOYEE BENEFIT CONSULTANTS3 Filed as: EMPLOYEE BENEFIT CONSULTANTS, INC. | PO BOX 670 RICHLANDS, VA 24641 | PRINCIPAL LIFE INSURANCE COMPANY | -$17 | — | -$17 | -0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 12.51% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 12.21% |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE CROSS BLUE SHIELD OF WEST VIRGINIA | 241 | $1.9M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 347 | $278K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 347 | $278K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 347 | $310K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 347 | $278K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 347 | $278K |
| Prescription drug | HIGHMARK BLUE CROSS BLUE SHIELD OF WEST VIRGINIA | 241 | $1.9M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 347 | $278K |
| 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."
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.