| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUSTPOINT BENEFITS & COMPENSATION3 | 16 EAST CHURCH AVENUE ROANOKE, VA 24011 | HUMANA INSURANCE COMPANY | $37K | $0 | $37K | 4.90% |
| CARL GREEAR3 | 425 STATE STREET, SUITE 307 BRISTOL, VA 24201 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $9K | $0 | $9K | 3.89% |
| BENEFICIAL ASSOCIATES, INC.3 | PO BOX 532 FOREST, VA 24551 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | $4K | $31K | 41.39% |
| TRUSTPOINT BENEFITS & COMPENSATION3 | 16 EAST CHURCH AVENUE ROANOKE, VA 24011 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.04% |
| TRUSTPOINT BENEFITS & COMPENSATION3 Filed as: TRUSTPOINT INSURANCE | 16 EAST CHURCH AVENUE ROANOKE, VA 24011 | DELTA DENTAL OF TENNESSEE | $7K | $0 | $7K | 10.00% |
| BENEFICIAL ASSOCIATES, INC.3 | PO BOX 532 FOREST, VA 24551 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $16K | $0 | $16K | 69.57% |
| CHARLES BRITT BERRIER JR3 Filed as: CHARLES BERRIER | 640 CEDAR LANE CANA, VA 24317 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.90% |
| UNKNOWN3 | UNKNOWN GRAY, TN 37615 | TELADOC HEALTH, INC. | $2K | $0 | $2K | 15.00% |
| TRUSTPOINT BENEFITS & COMPENSATION3 Filed as: TRUSTPOINT INSURANCE | 16 EAST CHURCH AVENUE ROANOKE, VA 24011 | RECURO | $734 | $0 | $734 | 14.96% |
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 | 213 | 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) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 203 | $990K |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 218 | $296K |
| Vision(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 218 | $296K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 213 | $98K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 213 | $74K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 213 | $74K |
| Prescription drug(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 203 | $990K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 298 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.