| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE INSURANCE GROUP3 Filed as: INSURANCE SERVICES INC | 414 GALLIMORE DAIRY RD S GREENSBORO, NC 27409 | OPTIMA HEALTH PLAN | $18K | $0 | $18K | 2.97% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT COMPANY INC | PO BOX 211486 COLUMBIA, SC 29221 | OPTIMA HEALTH PLAN | $8K | $0 | $8K | 1.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 12748 ROANOKE, VA 24028 | OPTIMA HEALTH PLAN | $5K | $0 | $5K | 0.87% |
| THE INSURANCE GROUP3 Filed as: INSURANCE SERVICES INC | 414 GALLIMORE DAIRAY RD S GREENSBORO, NC 27409 | OPTIMA HEALTH PLAN | $4K | $0 | $4K | 2.63% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT COMPANY INC | PO BOX 211486 COLUMBIA, SC 29221 | OPTIMA HEALTH PLAN | $2K | $0 | $2K | 1.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 12748 ROANOKE, VA 24028 | OPTIMA HEALTH PLAN | $1K | $0 | $1K | 0.89% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 10265 BIRMINGHAM, AL 35202 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $2K | $261 | $3K | 4.57% |
| BENEFIT COMPANY INC OF SC3 | PO BOX 211486 COLUMBIA, SC 29221 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $968 | $0 | $968 | 1.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $337 | $0 | $337 | 0.59% |
| MCGRIFF INSURANCE SERVICES INC3 | 2108 WEST LABURNAM AVE STE 310 RICHMOND, VA 23227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.49% |
| MCGRIFF INSURANCE SERVICES INC3 | 2211 7TH AVE S BIRMINGHAM, AL 35233 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $741 | $741 | 3.44% |
| THE BENEFIT COMPANY INC5 | PO BOX 211486 COLUMBIA, SC 29221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $632 | $632 | 2.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBY MILL EAST BLVD STE 100 RICHMOND, VA 23230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $540 | $0 | $540 | 2.51% |
| MCGRIFF INSURANCE SERVICES INC3 | 2108 WEST LABURNAM AVE STE 310 RICHMOND, VA 23227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.27% |
| MCGRIFF INSURANCE SERVICES INC3 | 2211 7TH AVE S BIRMINGHAM, AL 35233 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $708 | $708 | 3.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBY MILL EAST BLVD STE 100 RICHMOND, VA 23230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $561 | $0 | $561 | 2.73% |
| THE BENEFIT COMPANY INC5 | PO BOX 211486 COLUMBIA, SC 29221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $491 | $491 | 2.39% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 4951 FORSYTH ROAD 1ST FLOOR 31210 MACON, GA 31221 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $784 | $0 | $784 | 6.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BLVD STE 100 RICHMOND, VA 23230 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $385 | $0 | $385 | 3.24% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT COMPANY, INC | PO BOX 211486 COLUMBIA, SC 29221 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $234 | $0 | $234 | 1.97% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 7391 HODGSON MEMORIAL DRIVE STE 100 SAVANNAH, GA 31406 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $148 | $1K | 13.94% |
| THE BENEFIT COMPANY INC3 | 3800 FERNANDINA ROAD STE 200 COLUMBIA, SC 29210 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 12.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4191 INNSLAKE DRIVE STE 211 GLEN ALLEN, VA 23060 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $220 | $0 | $220 | 2.51% |
| M. FINANCIAL HOLDINGS INCORPORATED3 Filed as: CONSOLIDATED PLANNING HOLDINS | UKNOWN UNKNOWN, MA 00000 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11 | $0 | $11 | 0.13% |
| MCGRIFF INSURANCE SERVICES INC3 | 2108 WEST LABURNAM AVE STE 310 RICHMOND, VA 23230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $261 | $0 | $261 | 3.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBY MILL EAST BLVD STE 100 RICHMOND, VA 23230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $88 | $0 | $88 | 1.26% |
| MCGRIFF INSURANCE SERVICES INC3 | 2211 7TH AVE S BIRMINGHAM, AL 35233 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $20 | $20 | 0.29% |
| THE BENEFIT COMPANY INC5 | PO BOX 211486 COLUMBIA, SC 29221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 20.04% |
| MCGRIFF INSURANCE SERVICES INC3 | 2108 WEST LABURNAM AVE STE 310 RICHMOND, VA 23227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $478 | $0 | $478 | 7.26% |
| MCGRIFF INSURANCE SERVICES INC3 | 2211 7TH AVE S BIRMINGHAM, AL 35233 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $204 | $204 | 3.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBY MILL EAST BLVD STE 100 RICHMOND, VA 23230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $181 | $0 | $181 | 2.75% |
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 | 257 | 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) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 209 | $767K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 260 | $58K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 178 | $12K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 257 | $27K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $22K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 27 | $7K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 257 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.