| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARL GREEAR3 | 425 STATE ST STE 307 BRISTOL, VA 24201 | BLUECROSS BLUESHIELD OF TENNESSEE INC. | $36K | — | $36K | 4.61% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES, LLC | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $10K | — | $10K | 38.23% |
| BENEFICIAL ASSOCIATES, INC.3 Filed as: BENEFICIAL ASSOCIATES INC. | PO BOX 532 FOREST, VA 24551 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 11.43% |
| CHARLES BRITT BERRIER JR3 Filed as: CHARLES BERRIER | 640 CEDAR LANE CANA, VA 24317 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $32 | — | $32 | 0.13% |
| ACCRETIVE ENROLLMENT SVCS LLC3 Filed as: ACCRETIVE ENROLLMENT SVCS, LLC | PO BOX 532 FOREST, VA 24551 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $756 | $2K | 12.99% |
| TRUSTPOINT BENEFITS & COMPENSATION3 | 16 EAST CHURCH AVE ROANOKE, VA 24011 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $794 | — | $794 | 4.50% |
| BENEFICIAL ASSOCIATES, INC.3 Filed as: BENEFICIAL ASSOCIATES INC. | PO BOX 532 FOREST, VA 24551 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $316 | $151 | $467 | 2.65% |
| TRUSTPOINT BENEFITS & COMPENSATION3 | 16 EAST CHURCH AVE ROANOKE, VA 24011 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| ACCRETIVE ENROLLMENT SVCS LLC3 Filed as: ACCRETIVE ENROLLMENT SVCS, LLC | PO BOX 532 FOREST, VA 24551 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $693 | $342 | $1K | 13.16% |
| TRUSTPOINT BENEFITS & COMPENSATION3 | 16 EAST CHURCH AVE ROANOKE, VA 24011 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $354 | — | $354 | 4.50% |
| BENEFICIAL ASSOCIATES, INC.3 Filed as: BENEFICIAL ASSOCIATES INC. | PO BOX 532 FOREST, VA 24551 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $132 | $63 | $195 | 2.48% |
| ACCRETIVE ENROLLMENT SVCS LLC3 Filed as: ACCRETIVE ENROLLMENT SVCS, LLC | PO BOX 532 FOREST, VA 24551 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $495 | $246 | $741 | 12.57% |
| TRUSTPOINT BENEFITS & COMPENSATION3 | 16 EAST CHURCH AVE ROANOKE, VA 24011 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $265 | — | $265 | 4.49% |
| BENEFICIAL ASSOCIATES, INC.3 Filed as: BENEFICIAL ASSOCIATES INC. | PO BOX 532 FOREST, VA 24551 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $124 | $59 | $183 | 3.10% |
| BENEFICIAL ASSOCIATES, INC.3 Filed as: BENEFICIAL ASSOCIATES INC. | PO BOX 532 FOREST, VA 24551 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $825 | — | $825 | 21.04% |
| ACCRETIVE ENROLLMENT SVCS LLC3 Filed as: ACCRETIVE ENROLLMENT SVCS, LLC | PO BOX 532 FOREST, VA 24551 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $18 | $18 | 0.46% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES, LLC | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $39 | — | $39 | 3.94% |
| BENEFICIAL ASSOCIATES, INC.3 Filed as: BENEFICIAL ASSOCIATES INC. | PO BOX 532 FOREST, VA 24551 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $20 | — | $20 | 2.02% |
| CHARLES BRITT BERRIER JR3 Filed as: CHARLES BERRIER | 640 CEDAR LANE CANA, VA 24317 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $15 | — | $15 | 1.51% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES, LLC | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $52 | — | $52 | 68.42% |
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 | 377 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 386 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE INC. | 90 | $775K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE INC. | 90 | $775K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE INC. | 90 | $775K |
| Life insurance(5 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 377 | $46K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 48 | $6K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE INC. | 90 | $775K |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 377 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 377 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.