| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUSTPOINT BENEFITS & COMPENSATION3 Filed as: TRUSTPOINT INSURANCE | 16 EAST CHURCH AVENUE ROANOKE, VA 24011 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $34K | $34K | 4.00% |
| TRUSTPOINT BNFTS AND COMPENSATION3 | 16 EAST CHURCH AVENUE ROANOKE, VA 24011 | DELTA DENTAL OF VIRGINIA | $2K | $0 | $2K | 3.76% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | DELTA DENTAL OF VIRGINIA | $1K | — | $1K | 2.10% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES, LLC | PO BOX 532 FOREST, VA 24551 | COMPANION LIFE | $3K | $0 | $3K | 11.05% |
| TRUSTPOINT BNFTS AND COMPENSATION3 | 16 EAST CHURCH AVENUE ROANOKE, VA 24011 | COMPANION LIFE | $2K | $0 | $2K | 6.00% |
| BENEFICIAL ASSOCIATES, INC.3 Filed as: BENEFICIAL ASSOCIATES, INC, | PO BOX 532 FOREST, VA 24551 | COMPANION LIFE | $1K | $0 | $1K | 5.45% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES, LLC | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 11.77% |
| TRUSTPOINT BENEFITS & COMPENSATION3 Filed as: TRUSTPOINT INSURANCE, LLC | 16 EAST CHURCH AVENUE ROANOKE, VA 24011 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.36% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES, LLC | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.07% |
| BENEFICIAL ASSOCIATES, INC.3 Filed as: BENEFICIAL ASSOCIATES, INC, | PO BOX 532 FOREST, VA 24551 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $984 | — | $984 | 5.18% |
| TRUSTPOINT BNFTS AND COMPENSATION3 | 16 EAST CHURCH AVENUE SE ROANOKE, VA 24011 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 13.00% |
| MATTHEW E VAHUE3 Filed as: MATTHEW E. VAHUE | UNKNOWN SALEM, VA 24153 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12 | — | $12 | 0.06% |
| TRUSTPOINT BENEFITS & COMPENSATION3 Filed as: TRUSTPOINT INSURANCE | 16 EAST CHURCH AVENUE SE ROANOKE, VA 24011 | DELTA VISION | $386 | $0 | $386 | 5.16% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | DELTA VISION | $214 | $0 | $214 | 2.86% |
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 | 172 | 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) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 115 | $850K |
| Dental | DELTA DENTAL OF VIRGINIA | 146 | $55K |
| Vision | DELTA VISION | 119 | $7K |
| Life insurance(2 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 67 | $38K |
| Short-term disability | COMPANION LIFE | 48 | $27K |
| Long-term disability | COMPANION LIFE | 48 | $27K |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 172 | $872K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.