| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUSTPOINT BENE & COMP COMPLIANCE3 Filed as: TRUSTPOINT BENEFITS AND COMP | 16 E CHURCH AVE ROANOKE, VA 24011 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 2.67% |
| AP BENEFIT ADVISORS, LLC3 | 16 E CHURCH AVE ROANOKE, VA 24011 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 2.61% |
| TRUSTPOINT BENE & COMP COMPLIANCE3 Filed as: TRUSTPOINT BENEFITS AND COMP | 16 E CHURCH AVE ROANOKE, VA 24011 | DELTA DENTAL OF VIRGINIA | $1K | — | $1K | 3.80% |
| AP BENEFIT ADVISORS, LLC3 | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | DELTA DENTAL OF VIRGINIA | $651 | — | $651 | 2.03% |
| BENEFICIAL ASSOCIATES, INC.3 | PO BOX 532 FOREST, VA 24551 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 18.86% |
| TRUSTPOINT BENEFITS & COMPENSATION3 Filed as: TRUSTPOINT INSURANCE, LLC | 16 EAST CHURCH AVE ROANOKE, VA 24011 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.44% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $851 | — | $851 | 5.51% |
| ACCRETIVE ENROLLMENT SVCS LLC3 | PO BOX 532 FOREST, VA 24551 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $279 | $2K | 12.72% |
| TRUSTPOINT BENE & COMP COMPLIANCE3 Filed as: TRUSTPOINT BENEFITS AND COMP | 16 E CHURCH AVE ROANOKE, VA 24011 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $720 | — | $720 | 6.00% |
| BENEFICIAL ASSOCIATES, INC.3 | PO BOX 532 FOREST, VA 24551 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $433 | $93 | $526 | 4.38% |
| TRUSTPOINT BENE & COMP COMPLIANCE3 Filed as: TRUSTPOINT BENEFITS AND COMP | 16 E CHURCH AVE ROANOKE, VA 24011 | UNITEDHEALTHCARE INSURANCE COMPANY | $684 | — | $684 | 10.00% |
| BENEFICIAL ASSOCIATES, INC.3 | PO BOX 532 FOREST, VA 24551 | THE LINCOLN NATIONAL INSURANCE COMPANY | $457 | $42 | $499 | 8.82% |
| ACCRETIVE ENROLLMENT SVCS LLC3 | PO BOX 532 FOREST, VA 24551 | THE LINCOLN NATIONAL INSURANCE COMPANY | $301 | $135 | $436 | 7.71% |
| TRUSTPOINT BENE & COMP COMPLIANCE3 Filed as: TRUSTPOINT BENEFITS AND COMP | 16 E CHURCH AVE ROANOKE, VA 24011 | THE LINCOLN NATIONAL INSURANCE COMPANY | $325 | — | $325 | 5.74% |
| TRUSTPOINT BENE & COMP COMPLIANCE3 Filed as: TRUSTPOINT BENEFITS AND COMP | 16 CHURCH AVE SE ROANOKE, VA 24011 | STRYDEN, INC. | $215 | — | $215 | 5.15% |
| AP BENEFIT ADVISORS, LLC3 | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | STRYDEN, INC. | $115 | — | $115 | 2.76% |
| ACCRETIVE ENROLLMENT SVCS LLC3 | PO BOX 532 FOREST, VA 24551 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $239 | $53 | $292 | 13.39% |
| TRUSTPOINT BENE & COMP COMPLIANCE3 Filed as: TRUSTPOINT BENEFITS AND COMP | 16 E CHURCH AVE ROANOKE, VA 24011 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $131 | — | $131 | 6.01% |
| BENEFICIAL ASSOCIATES, INC.3 | PO BOX 532 FOREST, VA 24551 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $66 | $14 | $80 | 3.67% |
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 | 92 | 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) | 92 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 35 | $460K |
| Dental | DELTA DENTAL OF VIRGINIA | 62 | $32K |
| Vision | STRYDEN, INC. | 50 | $4K |
| Life insurance(2 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 92 | $22K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 10 | $12K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 35 | $460K |
| Other(4 contracts, 4 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 92 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 92 | — |
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.