| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACCRETIVE ENROLLMENT SVCS LLC3 | PO BOX 532 FOREST, VA 24551 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $2K | $4K | 9.58% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $803 | $4K | 8.91% |
| BENEFICIAL ASSOCIATES, INC.3 Filed as: BENEFICIAL ASSOCIATES INC | PO BOX 532 FOREST, VA 24551 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $831 | $0 | $831 | 2.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 110 FRANKLIN RD SE STE 1100 ROANOKE, VA 24011 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $459 | $459 | 1.13% |
| INC, BENEFICIAL ASSOCIATES3 | PO BOX 532 FOREST, VA 24551 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.62% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC CO | 2 MORRISSEY BOULEVARD LOCKBOX 419814 BOSTON, MA 02125 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $730 | $0 | $730 | 2.63% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $528 | $2K | 8.90% |
| ACCRETIVE ENROLLMENT SVCS LLC3 | PO BOX 532 FOREST, VA 24551 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $894 | $2K | 8.78% |
| BENEFICIAL ASSOCIATES, INC.3 Filed as: BENEFICIAL ASSOCIATES INC | PO BOX 532 FOREST, VA 24551 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $546 | $219 | $765 | 2.83% |
| MARSH & MCLENNAN AGENCY LLC3 | 110 FRANKLIN RD SE STE 1100 ROANOKE, VA 24011 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $301 | $301 | 1.11% |
| ACCRETIVE ENROLLMENT SVCS LLC3 | PO BOX 532 FOREST, VA 24551 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $924 | $9K | 36.20% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 21.00% |
| BENEFICIAL ASSOCIATES, INC.3 Filed as: BENEFICIAL ASSOCIATES INC | PO BOX 532 FOREST, VA 24551 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $248 | $4K | 17.59% |
| ACCRETIVE ENROLLMENT SVCS LLC3 | PO BOX 532 FOREST, VA 24551 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $920 | $544 | $1K | 8.87% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $307 | $1K | 8.82% |
| BENEFICIAL ASSOCIATES, INC.3 Filed as: BENEFICIAL ASSOCIATES INC | PO BOX 532 FOREST, VA 24551 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $317 | $127 | $444 | 2.69% |
| MARSH & MCLENNAN AGENCY LLC3 | 110 FRANKLIN RD SE STE 1100 ROANOKE, VA 24011 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $178 | $178 | 1.08% |
| ACCRETIVE ENROLLMENT SVCS LLC3 | PO BOX 532 FOREST, VA 24551 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $557 | $5K | 32.82% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 19.50% |
| BENEFICIAL ASSOCIATES, INC.3 Filed as: BENEFICIAL ASSOCIATES INC | PO BOX 532 FOREST, VA 24551 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $157 | $3K | 17.65% |
| ACCRETIVE ENROLLMENT SVCS LLC3 | PO BOX 532 FOREST, VA 24551 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $456 | $4K | 33.19% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 19.50% |
| BENEFICIAL ASSOCIATES, INC.3 Filed as: BENEFICIAL ASSOCIATES INC | PO BOX 532 FOREST, VA 24551 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $127 | $2K | 17.23% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $224 | $1K | 11.43% |
| ACCRETIVE ENROLLMENT SVCS LLC3 | PO BOX 532 FOREST, VA 24551 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $369 | $369 | 3.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 110 FRANKLIN RD SE STE 1100 ROANOKE, VA 24011 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $128 | $128 | 1.15% |
| BENEFICIAL ASSOCIATES, INC.3 Filed as: BENEFICIAL ASSOCIATES INC | PO BOX 532 FOREST, VA 24551 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $94 | $94 | 0.84% |
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 | 158 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 158 | $55K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 83 | $41K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 66 | $27K |
| Other(7 contracts, 2 carriers) | SWISS RE CORPORATE SOLUTIONS AMERICA INSURANCE CORPORATION | 158 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.
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.