| 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 | — | $30K | $30K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $135 | $2K | 8.53% |
| MCGRIFF INSURANCE SERVICES INC3 | EB COMMISSIONS PO BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $71 | $2K | 12.99% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $860 | — | $860 | 6.55% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $153 | — | $153 | 3.04% |
| JOHN E CUMMINGS3 Filed as: JOHN E. CUMMINGS | 204 QUAYSIDE CIRCLE #501 MAITLAND, FL 32751 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 1.01% |
| BENJAMIN POMEROY3 | 2300 OAKENGATE LANE MIDLOTHIAN, VA 23113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.97% |
| FRIEDMAN FINANCIAL SERVICES INC3 Filed as: FRIEDMAN AGENCY, INC. | 233 BUSINESS PARK DRIVE VIRGINIA BEACH, VA 23462 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.88% |
| 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 | $408 | — | $408 | 9.07% |
| ANDREA L SHERMAN3 | 2428 ALMEDA AVE STE 300 NORFOLK, VA 23513 | AFLAC | $59 | — | $59 | 1.31% |
| CHRISTY LEE CARPENTER3 | 2220 ROANOKE AVE VIRGINIA BEACH, VA 23455 | AFLAC | $51 | — | $51 | 1.13% |
| LAWRENCE SCOTT MOLNAR3 | 5288 ROCKINGHAM DR WILLIAMSBURG, VA 23188 | AFLAC | $50 | — | $50 | 1.11% |
| JOHN C POLLOCK3 | 5444 OAKMONT DR STE 12 MILTON, FL 32571 | AFLAC | $47 | — | $47 | 1.04% |
| MICHELLE BOYD3 | 463 STONECREST CIRCLE RINGGOLD, GA 30736 | AFLAC | $26 | — | $26 | 0.58% |
| MICHELLE G POLLOCK3 | 5444 OAKMONT DR PACE, FL 32571 | AFLAC | $25 | — | $25 | 0.56% |
| MEGAN EASTBURN3 | 1029 TEALWOOD DR VIRGINIA BEACH, VA 23453 | AFLAC | $22 | — | $22 | 0.49% |
| AMELIA S COX3 | 1265 ROY DUGGER RD LONDON, KY 40741 | AFLAC | $22 | — | $22 | 0.49% |
| HAZEL MARY VON HOLLEN3 | 60 GLENHAVEN DR HAMPTON, VA 23664 | AFLAC | $18 | — | $18 | 0.40% |
| MARCIE DAVENPORT3 Filed as: MARCIE A DAVENPORT | 4869 W COTTAGE BROOK CIR WEST VALLEY CITY, UT 84120 | AFLAC | $12 | — | $12 | 0.27% |
| NICHOLAS WAGNER3 | 1508 BACK COVE RD VIRGINIA BEACH, VA 23454 | AFLAC | $12 | — | $12 | 0.27% |
| KERSTIN E COLEMAN3 | 47 QUEENS WAY SUITE G HAMPTON, VA 23669 | AFLAC | $12 | — | $12 | 0.27% |
| BRIAN V ANDREWS3 | 5728 TAMARACK DR PACE, FL 32571 | AFLAC | $12 | — | $12 | 0.27% |
| JON H DAVENPORT3 | 703 THIMBLE SHOALS BLVD STE C-6 NEWPORT NEWS, VA 23606 | AFLAC | $9 | — | $9 | 0.20% |
| JEREMY A HARDEN3 | 3100 HIDDEN LAKE RD DALTON, GA 30721 | AFLAC | $6 | — | $6 | 0.13% |
| MEGAN DANCEL3 | 2006 MEADOW DR BLUE BELL, PA 19422 | AFLAC | $4 | — | $4 | 0.09% |
| CHRISTOPHER WALLACE HOFF3 | 22996 SW LODGEPOLE AVE TUALATIN, OR 97062 | AFLAC | $4 | — | $4 | 0.09% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $4 | — | $4 | 0.09% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $2 | — | $2 | 0.04% |
| BRIAN ANDREWS3 | 5728 TAMARACK DR PACE, FL 32571 | AFLAC | $1 | — | $1 | 0.02% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $1 | — | $1 | 0.02% |
| MCGRIFF INSURANCE SERVICES INC3 | EB COMMISSIONS PO BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $118 | $6 | $124 | 10.37% |
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 | 109 | 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) | 109 | 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 | 70 | $600K |
| Vision | VISION SERVICE PLAN | 77 | $13K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 125 | $25K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 109 | $14K |
| Other(5 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 109 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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.