| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUNSFORD FINANCIAL SERVICES INC3 Filed as: LUNSFORD FINANCIAL SERVICES, INC. | 16 EAST CHURCH AVE. ROANOKE, VA 24011 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $0 | — | $0 | 0.00% |
| LUNSFORD FINANCIAL SERVICES INC3 Filed as: LUNSFORD FINANCIAL SERVICES, INC. | 16 EAST CHURCH AVE. ROANOKE, VA 24011 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $2K | $5K | 8.69% |
| CHAS LUNSFORD SONS & ASSOCIATES INC3 | PO BOX 2571 ROANOKE, VA 24010 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 7.18% |
| LUNSFORD FINANCIAL SERVICES INC3 Filed as: LUNSFORD FINANCIAL SERVICES, INC. | 16 EAST CHURCH AVE. ROANOKE, VA 24011 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.02% |
| CHAS LUNSFORD SONS & ASSOCIATES INC3 | PO BOX 2571 ROANOKE, VA 24010 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.99% |
| LUNSFORD FINANCIAL SERVICES INC3 Filed as: LUNSFORD FINANCIAL SERVICES, INC. | 16 EAST CHURCH AVE. ROANOKE, VA 24011 | PRINCIPAL LIFE INSURANCE COMPANY | $458 | $2K | $2K | 19.10% |
| CHAS LUNSFORD SONS & ASSOCIATES INC3 | PO BOX 2571 ROANOKE, VA 24010 | PRINCIPAL LIFE INSURANCE COMPANY | $626 | — | $626 | 4.79% |
| LUNSFORD FINANCIAL SERVICES INC3 Filed as: LUNSFORD FINANCIAL SERVICES, INC. | 16 EAST CHURCH AVE. ROANOKE, VA 24011 | HEALTHKEEPERS, INC. | $12K | — | $12K | 323.56% |
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 | 252 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 0 | $213K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 201 | $55K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 0 | $213K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 252 | $73K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 148 | $60K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 148 | $60K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 0 | $209K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.