| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUNSFORD FINANCIAL SERVICES INC3 | 16 EAST CHURCH AVE ROANOKE, VA 24011 | ANTHEM HEALTH PLANS OF VIRGINIA INC | — | — | $0 | 0.00% |
| TRUSTPOINT BENEFITS & COMPENSATION3 Filed as: TRUSTPOINT BENEFITS | 16 CHURCH AVE, SE ROANOKE, VA 24011 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 10.09% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DR GREENSBORO, NC 27409 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.60% |
| TRUSTPOINT BENEFITS & COMPENSATION3 Filed as: TRUSTPOINT BENEFITS | 16 CHURCH AVE SE ROANOKE, VA 24011 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.98% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DR GREENSBORO, NC 27409 | PRINCIPAL LIFE INSURANCE COMPANY | $649 | — | $649 | 1.33% |
| TRUSTPOINT BENEFITS & COMPENSATION3 Filed as: TRUSTPOINT BENEFITS | 16 CHURCH AVE SE ROANOKE, VA 24011 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.97% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DR GREENSBORO, NC 27409 | PRINCIPAL LIFE INSURANCE COMPANY | $305 | — | $305 | 1.50% |
| TRUSTPOINT BENEFITS & COMPENSATION Filed as: TRUSTPOINT BENEFITS | 425 STATE ST. STE. 307 BRISTOL, VA 24201 | HEALTHKEEPERS INC | $11K | — | $11K | — |
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF INSURANCE SERVICES | 223 W NASH ST WILSON, NC 27893 | HEALTHKEEPERS INC | $3K | — | $3K | — |
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 | 366 | 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) | 366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 157 | $49K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA INC | 247 | $298K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 366 | $87K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 96 | $67K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 96 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 366 | — |
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."
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.