| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFINDER3 | 2604 NORTH PARHAM ROAD RICHMOND, VA 23294 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $19K | $5K | $24K | 6.17% |
| PARTLOW INSURANCE AGENCY INC3 Filed as: PARTLOW INSURANCE AGENCY, INC. | 2333 N FREDERICK PIKE WINCHESTER, VA 22603 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $915 | — | $915 | 9.11% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 38 ROUSS AVE #100 WINCHESTER, VA 226014738 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $191 | — | $191 | 1.90% |
| PARTLOW INSURANCE AGENCY INC3 | 2333 N FREDERICK PIKE WINCHESTER, VA 22603 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14 | — | $14 | 3.47% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 38 ROUSS AVE #100 WINCHESTER, VA 226014738 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7 | — | $7 | 1.73% |
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 | 100 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 111 | $391K |
| Dental | CITIZENS SECURITY LIFE INSURANCE COMPANY | 81 | $26K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 105 | $10K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 105 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.