| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $38K | $38K | 4.97% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.78% |
| MCGRIFF INSURANCE SERVICES INC3 | EB COMMISSIONS PO BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 16.90% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $866 | — | $866 | 6.54% |
| GAIL I BEAGLE3 | 323 HUNTS NECK RD POQUOSON, VA 23662 | AFLAC | $829 | $65 | $894 | 11.77% |
| MICHELLE BOYD3 | 463 STONECREST CIRCLE RINGGOLD, GA 30736 | AFLAC | $448 | — | $448 | 5.90% |
| HAZEL MARY VON HOLLEN3 | 60 GLENHAVEN DR HAMPTON, VA 23664 | AFLAC | $157 | $10 | $167 | 2.20% |
| KERSTIN E COLEMAN3 | 47 QUEENS WAY SUITE G HAMPTON, VA 23669 | AFLAC | $63 | $10 | $73 | 0.96% |
| MICAH L MESSER3 Filed as: MICAH L. MESSER | 790 HERRELL RD VILLA RICA, GA 30180 | AFLAC | $56 | — | $56 | 0.74% |
| LAWRENCE SCOTT MOLNAR3 | 5288 ROCKINGHAM DR WILLIAMSBURG, VA 23188 | AFLAC | $50 | — | $50 | 0.66% |
| CHRISTY DELAYNE WALKER3 | 1705 WHITE OAK LN UNIT 12 DALTON, GA 30721 | AFLAC | $50 | — | $50 | 0.66% |
| JOHN C POLLOCK3 | 5444 OAKMONT DR MILTON, FL 32571 | AFLAC | $47 | — | $47 | 0.62% |
| ANDREA L SHERMAN3 | 2428 ALMEDA AVE STE 300 NORFOLK, VA 23513 | AFLAC | $37 | $5 | $42 | 0.55% |
| MEGAN DANCEL3 | 2006 MEADOW DR BLUE BELL, PA 19422 | AFLAC | $27 | — | $27 | 0.36% |
| CHRISTY LEE CARPENTER3 | 2220 ROANOKE AVE VIRGINIA BEACH, VA 23455 | AFLAC | $20 | $5 | $25 | 0.33% |
| MICHELLE G POLLOCK3 Filed as: MICHELLE C POLLOCK | 5444 OAKMONT DR PACE, FL 32571 | AFLAC | $25 | — | $25 | 0.33% |
| AMELIA S COX3 | 1265 ROY DUGGER RD LONDON, KY 40741 | AFLAC | $22 | — | $22 | 0.29% |
| BRIAN V ANDREWS3 Filed as: BRIAN V. ANDREWS | 5728 TAMARACK DR PACE, FL 35271 | AFLAC | $13 | — | $13 | 0.17% |
| MARCIE DAVENPORT3 Filed as: MARCIE A DAVENPORT | 4869 W COTTAGE BROOK CIR WEST VALLEY CITY, UT 84120 | AFLAC | $12 | — | $12 | 0.16% |
| NICHOLAS WAGNER3 | 1508 BACK COVE RD VIRGINIA BEACH, VA 23454 | AFLAC | $12 | — | $12 | 0.16% |
| JON H DAVENPORT3 | 703 THIMBLE SHOALS BLVD STE C-6 NEWPORT NEWS, VA 23606 | AFLAC | $9 | — | $9 | 0.12% |
| JEREMY A HARDEN3 | 3100 HIDDEN LAKE RD DALTON, GA 30721 | AFLAC | $6 | — | $6 | 0.08% |
| BENEFICIAL WELLNESS INC3 Filed as: BENEFICIAL WELLNESS INC. | 303 BARON BLVD SUFFOLK, VA 23435 | AFLAC | $5 | — | $5 | 0.07% |
| CHRISTOPHER WALLACE HOFF3 | 22996 SW LODGEPOLE AVE TUALATIN, OR 97062 | AFLAC | $4 | — | $4 | 0.05% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $4 | — | $4 | 0.05% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $2 | — | $2 | 0.03% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $1 | — | $1 | 0.01% |
| DONNA M GROSKOPF3 Filed as: DONNA M. GROSKOPF | 2162 HUMPREY DR SUFFOLK, VA 23435 | AFLAC | $1 | — | $1 | 0.01% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $141 | — | $141 | 3.01% |
| JOHN E CUMMINGS3 Filed as: JOHN E. CUMMINGS | 204 QUAYSIDE CIRCLE #501 MAITLAND, FL 32751 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 1.00% |
| BENJAMIN POMEROY3 | 66 WEST SQUARE DRIVE RICHMOND, VA 23238 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.96% |
| FRIEDMAN FINANCIAL SERVICES INC3 Filed as: FRIEDMAN AGENCY, INC. | 233 BUSINESS PARK DRIVE VIRGINIA BEACH, VA 23462 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.87% |
| 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 UNIT 103 B ROCKVILLE, MD 20852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| MCGRIFF INSURANCE SERVICES INC3 | EB COMMISSIONS PO BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $204 | — | $204 | 13.51% |
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 | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 142 | 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 | 83 | $768K |
| Vision | VISION SERVICE PLAN | 84 | $13K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 139 | $28K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 116 | $16K |
| Other(5 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 139 | $37K |
| 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."
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.