| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS INC | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 7.35% |
| LONA BISHOP3 | PO BOX 645 LURAY, VA 22835 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 6.82% |
| MARK WARE3 Filed as: MARK A WARE | 310 SHOREWOOD DR MINERAL, VA 23117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $488 | — | $488 | 0.56% |
| MCGRIFF INSURANCE SERVICES INC3 | 328 SOUTH MAIN STREET HARRISONBURG, VA 22801 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 3.66% |
| MCGRIFF INSURANCE SERVICES INC3 | 328 SOUTH MAIN STREET HARRISONBURG, VA 22801 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 3.65% |
| MCGRIFF INSURANCE SERVICES INC3 | 328 SOUTH MAIN STREET HARRISONBURG, VA 22801 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 3.40% |
| MCGRIFF INSURANCE SERVICES INC3 | 328 SOUTH MAIN STREET HARRISONBURG, VA 22801 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $108 | $108 | 3.92% |
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 | 366 | 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) | 366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGNIA, INC. | 689 | $90K |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 697 | $158K |
| Vision(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 697 | $248K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 501 | $60K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 510 | $62K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 119 | $37K |
| Other(4 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 505 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 697 | — |
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.