| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $10K | — | $10K | 1.40% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7200 BANK COURT FREDERICK, MD 21703 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 13.94% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY RD. #F GREENSBORO, NC 27409 | HARTFORD LIFE AND ACCIDENT | -$13 | $936 | $923 | 1.98% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 896620 CHARLOTTE, NC 282896620 | VISION SERVICE PLAN | $816 | — | $816 | 6.36% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $153 | — | $153 | 2.73% |
| BENJAMIN POMEROY3 | 2300 OAKENGATE LANE MIDLOTHIAN, VA 23113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 1.34% |
| JOHN E CUMMINGS3 Filed as: JOHN E. CUMMINGS | 204 QUAYSIDE CIRCLE #501 MAITLAND, FL 32751 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.91% |
| FRIEDMAN FINANCIAL SERVICES INC3 Filed as: FRIEDMAN AGENCY, INC. | 233 BUSINESS PARK DRIVE VIRGINIA BEACH, VA 23462 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.68% |
| BRUCE WAYNE HEAD3 | 1400 PANTIGO LANE CHESAPEAKE, VA 23320 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.34% |
| NATOSIA VENUS MCNAIR3 | 9005 DANWOOD MANOR TERRACE RICHMOND, VA 23227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.04% |
| LILIENFIELD & ASSOCIATES LLC3 | 1100 HIGGINS PLACE ROCKVILLE, MD 20852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| GAIL I BEAGLE3 | 323 HUNTS NECK RD POQUOSON, VA 23662 | AFLAC | $398 | $29 | $427 | 9.37% |
| LAWRENCE SCOTT MOLNAR3 | 5288 ROCKINGHAM DR WILLIAMSBURG, VA 23188 | AFLAC | $234 | — | $234 | 5.14% |
| MEGAN EASTBURN3 | 1029 TEALWOOD DR VIRGINIA BEACH, VA 23453 | AFLAC | $72 | — | $72 | 1.58% |
| JOHN C POLLOCK3 | 600 UNIVERSITY OFFICE BLVD STE 12 PENSACOLA, FL 32504 | AFLAC | $47 | $24 | $71 | 1.56% |
| ANDREA L SHERMAN3 | 749A THIMBLE SHOALS BLVD STE 3 NEWPORT NEWS, VA 23606 | AFLAC | $58 | — | $58 | 1.27% |
| AMELIA S COX3 | 1265 ROY DUGGER RD LONDON, KY 40741 | AFLAC | $58 | — | $58 | 1.27% |
| LAWRENCE SCOTT MOLNAR3 | 917 CHARLOTTE DR NEPORT NEWS, VA 23601 | AFLAC | $47 | $8 | $55 | 1.21% |
| MICHELLE BOYD3 | 463 STONECREST CIRCLE RINGGOLD, GA 30736 | AFLAC | $26 | $10 | $36 | 0.79% |
| MICHELLE G POLLOCK3 | 6410 GUILFORD DR PENSACOLA, FL 32504 | AFLAC | $25 | $5 | $30 | 0.66% |
| ANDREA L SHERMAN3 | 47 W QUEENS WAY STE D HAMPTON, VA 23669 | AFLAC | $22 | — | $22 | 0.48% |
| MEGAN EASTBURN3 | 6240 FREEMAN AVE SUFFOLK, VA 23435 | AFLAC | $15 | $6 | $21 | 0.46% |
| BRIAN ANDREWS3 | 5728 TAMARACK DR PACE, FL 32571 | AFLAC | $13 | $5 | $18 | 0.40% |
| JENNIFER L VANROEKEL3 | 212 LEE TRACE DR SMITHFIELD, NC 27577 | AFLAC | $11 | $7 | $18 | 0.40% |
| MARCIE DAVENPORT3 Filed as: MARCIE A DAVENPORT | 4869 W COTTAGE BROOK CIRCLE WEST VALLEY CITY, UT 84120 | AFLAC | $12 | — | $12 | 0.26% |
| NICHOLAS WAGNER3 | 4665 HAYGOOD RD STE 402 VIRGIIA BEACH, VA 23455 | AFLAC | $12 | — | $12 | 0.26% |
| JON H DAVENPORT3 | 703 THIMBLE SHOALS BLVD STE C-6 NEWPORT NEWS, VA 23606 | AFLAC | $9 | — | $9 | 0.20% |
| JEREMY A HARDEN3 | 1763 RAINBOW CIRCLE NE DALTON, GA 30721 | AFLAC | $6 | $2 | $8 | 0.18% |
| ANDREA L SHERMAN3 | 749A THIMBLE SHOALS BLVD SUITE 3 NEWPORT NEWS, VA 23606 | AFLAC | $7 | — | $7 | 0.15% |
| CHRISTOPHER WALLACE HOFF3 | 13580 SW CRESTLINE CT TIGARD, OR 97224 | AFLAC | $4 | $2 | $6 | 0.13% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $4 | — | $4 | 0.09% |
| SONNY PARKS3 | 1813 CHARLOTTE ANN CT CHESAPEAKE, VA 23321 | AFLAC | $4 | — | $4 | 0.09% |
| SONNY PARKS3 | 2033 RIVER PEARL WAY CHESAPEAKE, VA 23321 | AFLAC | $1 | $2 | $3 | 0.07% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $2 | — | $2 | 0.04% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $1 | — | $1 | 0.02% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 103 | $685K |
| Vision | VISION SERVICE PLAN | 76 | $13K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 135 | $47K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 135 | $47K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 135 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.