| 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 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 12.16% |
| LUNSFORD FINANCIAL SERVICES INC3 Filed as: LUNSFORD FINANCIAL SERVICES, INC. | 16 EAST CHURCH AVE. ROANOKE, VA 24011 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.00% |
| LUNSFORD FINANCIAL SERVICES INC3 Filed as: LUNSFORD FINANCIAL SERVICES, INC. | 16 EAST CHURCH AVE. ROANOKE, VA 24011 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.68% |
| 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 | — |
| LUNSFORD FINANCIAL SERVICES INC3 Filed as: LUNSFORD FINANCIAL SERVICES, INC. | 16 EAST CHURCH AVE. ROANOKE, VA 24011 | HEALTHKEEPERS, INC. | — | — | $0 | — |
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 | 330 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 330 | 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 | $0 |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 247 | $64K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 0 | $0 |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 330 | $90K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 160 | $72K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 160 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.