| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDCOST BENEFIT SERVICES3 | 165 KIMEL PARK DRIVE, SUITE 100 P.O. BOX 25987 WINSTON-SALEM, NC 27103 | UNIMERICA INSURANCE COMPANY | $25K | — | $25K | 12.01% |
| TRUSTPOINT BENEFITS & COMPENSATION3 | 425 STATE STREET, SUITE 307 BRISTOL, VA 242014300 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 8.60% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 414 GALLIMORE DAIRY ROAD, SUITE F GREENSBORO, NC 274099693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 2.35% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 310 1ST STREET SW. SUITE 201 ROANOKE, VA 240111926 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.34% |
| MID ATLANTIC BENEFITS SOLUTION3 | 1060 LASKIN ROAD, SUITE 12B VIRGINIA BEACH, VA 23451 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.15% |
| JBA ENTERPRISES OF ROANOKE INC3 Filed as: JBA ENTERPRISES OF ROANOKE, INC. | 355 STONELEDGE DRIVE ROANOKE, VA 24019 | AFLAC | $554 | $53 | $607 | 14.67% |
| THOMAS MICHAEL RIGNEY3 | 116 OCEAN BAY DRIVE JENSEN BEACH, FL 34957 | AFLAC | $86 | — | $86 | 2.08% |
| JOHN A HAWLEY3 | 1390 SOUTHSIDE DRIVE SALEM, VA 24153 | AFLAC | $70 | $11 | $81 | 1.96% |
| BRIAN CUMPTAN3 | 320 9TH STREET, SUITE 200 HUNTINGTON, WV 25701 | AFLAC | $50 | $11 | $61 | 1.47% |
| CRYSTAL L MARTIN3 | 58 WATERSIDE DRIVE MORGANTOWN, WV 26508 | AFLAC | $38 | $10 | $48 | 1.16% |
| BONITA H WALKER3 | 1945 MAYLIN DRIVE SALEM, VA 24153 | AFLAC | $33 | — | $33 | 0.80% |
| MELVIN R JONES3 | 3025 ELIOCH MANOR DRIVE POWHATAN, VA 23139 | AFLAC | $19 | — | $19 | 0.46% |
| MARY T JOYCE3 | P.O. BOX 21471 ROANOKE, VA 24018 | AFLAC | $19 | — | $19 | 0.46% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES R HILL SR | 9701 GAYTON ROAD, SUITE 6 RICHMOND, VA 23238 | AFLAC | $18 | — | $18 | 0.44% |
| WILFRED L SMITH3 | P.O. BOX 21471 ROANOKE, VA 24018 | AFLAC | $9 | — | $9 | 0.22% |
| TRIVETT WINGO4 | P.O. BOX 303395 AUSTIN, TX 78703 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $49 | — | $49 | 4.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDCOST BENEFIT SERVICES, LLC EIN 56-2056821 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $70K |
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 | 194 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 8 | $4K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 266 | $178K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 266 | $178K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 266 | $178K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 266 | $278K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 214 | $209K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 266 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.