| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 4951 FORSYTH RD MACON, GA 31210 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $24K | $24K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | EB COMMISSIONS PO BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $647 | $3K | 12.51% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 3201 BEECHLEAF CT STE 200 RALEIGH, NC 276041547 | VISION SERVICE PLAN | $792 | — | $792 | 7.12% |
| MCGRIFF INSURANCE SERVICES INC3 | EB COMMISSIONS PO BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $256 | $2K | 17.33% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE SUITE 201 RALEIGH, NC 276124959 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $161 | — | $161 | 4.59% |
| BENJAMIN POMEROY3 | 2300 OAKENGATE LANE MIDLOTHIAN, VA 23113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 2.14% |
| JOHN E CUMMINGS3 Filed as: JOHN E. CUMMINGS | 204 QUAYSIDE CIRCLE #501 MAITLAND, FL 32751 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 1.54% |
| FRIEDMAN FINANCIAL SERVICES INC3 Filed as: FRIEDMAN AGENCY, INC. | 233 BUSINESS PARK DRIVE VIRGINIA BEACH, VA 23462 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 1.17% |
| BRUCE WAYNE HEAD3 | 1400 PANTIGO LANE CHESAPEAKE, VA 23320 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.06% |
| NATOSIA VENUS MCNAIR3 | 9005 DANWOOD MANOR TERRACE RICHMOND, VA 23227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.06% |
| LILIENFIELD & ASSOCIATES LLC3 | 1100 HIGGINS PLACE ROCKVILLE, MD 20852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.03% |
| GAIL I BEAGLE3 | 323 HUNTS NECK RD POQUOSON, VA 23662 | AFLAC | $128 | $22 | $150 | 4.30% |
| LAWRENCE SCOTT MOLNAR3 | 5288 ROCKINGHAM DR WILLIAMSBURG, VA 23188 | AFLAC | $48 | $22 | $70 | 2.01% |
| JOHN C POLLOCK3 | 600 UNIVERSITY OFFICE BLVD STE 12 PENSACOLA, FL 32504 | AFLAC | $43 | — | $43 | 1.23% |
| MEGAN EASTBURN3 | 1029 TEALWOOD DR VIRGINIA BEACH, VA 23453 | AFLAC | $26 | $4 | $30 | 0.86% |
| AMELIA S COX3 | 1265 ROY DUGGER RD LONDON, KY 40741 | AFLAC | $21 | $4 | $25 | 0.72% |
| MICHELLE BOYD3 | 463 STONECREST CIRCLE RINGGOLD, GA 30736 | AFLAC | $24 | — | $24 | 0.69% |
| ANDREA L SHERMAN3 | 47 QUEENS WAY SUITE D HAMPTON, VA 23669 | AFLAC | $7 | $9 | $16 | 0.46% |
| MICHELLE G POLLOCK3 | 6410 GUILFORD DR PENSACOLA, FL 32504 | AFLAC | $12 | — | $12 | 0.34% |
| BRIAN ANDREWS3 | 5728 TAMARACK DR PACE, FL 32571 | AFLAC | $12 | — | $12 | 0.34% |
| MARCIE DAVENPORT3 Filed as: MARCIE A DAVENPORT | 4869 W COTTAGE BROOK CIR WEST VALLEY CITY, UT 84120 | AFLAC | $11 | — | $11 | 0.32% |
| ANDREA L SHERMAN3 | 2428 ALMEDA AVE STE 300 NORFOLK, VA 23513 | AFLAC | $11 | — | $11 | 0.32% |
| MICHELLE G POLLOCK3 | 5444 OAKMONT DR PACE, FL 32571 | AFLAC | $10 | — | $10 | 0.29% |
| JON H DAVENPORT3 | 703 THIMBLE SHOALS BLVD STE C-6 NEWPORT NEWS, VA 23606 | AFLAC | $8 | — | $8 | 0.23% |
| ANDREA L SHERMAN3 | 749A THIMBLE SHOALS BLVD STE 3 NEWPORT NEWS, VA 23606 | AFLAC | $7 | — | $7 | 0.20% |
| NICHOLAS WAGNER3 | 4665 HAYGOOD RD STE 402 VIRGINIA BEACH, VA 23455 | AFLAC | $6 | — | $6 | 0.17% |
| NICHOLAS WAGNER3 | 1508 BACK COVE RD VIRGINIA BEACH, VA 23454 | AFLAC | $5 | — | $5 | 0.14% |
| CHRISTOPHER WALLACE HOFF3 | 22996 SW LODGEPOLE AVE TUALATIN, OR 97062 | AFLAC | $4 | — | $4 | 0.11% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $4 | — | $4 | 0.11% |
| JEREMY A HARDEN3 | 1763 RAINBOW CIR NE DALTON, GA 30721 | AFLAC | $3 | — | $3 | 0.09% |
| JEREMY A HARDEN3 | 3100 HIDDEN LAKE RD DALTON, GA 30721 | AFLAC | $3 | — | $3 | 0.09% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $2 | — | $2 | 0.06% |
| SONNY PARKS3 | 819 12TH ST VIRGINIA BEACH, VA 23451 | AFLAC | $1 | — | $1 | 0.03% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 1904 ELLIS DR MAIDENS, VI 23102 | AFLAC | $1 | — | $1 | 0.03% |
| JENNIFER L VANROEKEL3 | 212 LEE TRACE DR SMITHFIELD, NC 27577 | AFLAC | $1 | — | $1 | 0.03% |
| MCGRIFF INSURANCE SERVICES INC3 | EB COMMISSIONS PO BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $81 | $52 | $133 | 19.73% |
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 | 157 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 71 | $474K |
| Vision | VISION SERVICE PLAN | 76 | $11K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 139 | $21K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 108 | $11K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 108 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.