| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENCHMARK BENEFITS, INC.3 Filed as: BENCHMARK BENEFITS LLC | PO BOX 20167 ROANOKE, VA 24018 | SENTARA HEALTH INSURANCE COMPANY | $11K | — | $11K | 5.51% |
| BENCHMARK BENEFITS, INC.3 Filed as: BENCHMARK BENEFITS LLC | PO BOX 20167 ROANOKE, VA 24018 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 11.04% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | 1612 MARION ST COLUMBIA, SC 29201 | PRINCIPAL LIFE INSURANCE COMPANY | $519 | $3K | $4K | 5.21% |
| BENCHMARK BENEFITS, INC.3 Filed as: BENCHMARK BENEFITS LLC | PO BOX 20167 ROANOKE, VA 24018 | SENTARA HEALTH INSURANCE COMPANY | $3K | — | $3K | 4.19% |
| BENCHMARK BENEFITS, INC.3 Filed as: BENCHMARK BENEFITS LLC | PO BOX 20167 ROANOKE, VA 24018 | SENTARA HEALTH INSURANCE COMPANY | $3K | — | $3K | 4.29% |
| BENCHMARK BENEFITS, INC.3 Filed as: BENCHMARK BENEFITS LLC | PO BOX 20167 ROANOKE, VA 24018 | SENTARA HEALTH INSURANCE COMPANY | $2K | — | $2K | 3.74% |
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 | 174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | SENTARA HEALTH INSURANCE COMPANY | 36 | $375K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 203 | $74K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 203 | $74K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 203 | $74K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 203 | $74K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 203 | $74K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 203 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.