| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENCHMARK BENEFITS, INC.3 Filed as: BENCHMARK BENEFITS LLC | 2404 ELECTRIC RD SUITE C ROANOKE ROANOKE, VA 24018 | GUARDIAN | $14K | $559 | $15K | 17.28% |
| L3 ADVISORY, LLC3 Filed as: L3 ADVISORY LLC | 7101 WISCONSIN AVE STE 1200 BETHESDA, MD 20814 | GUARDIAN | $337 | — | $337 | 0.39% |
| BENCHMARK BENEFITS, INC.3 Filed as: BENCHMARK BENEFITS LLC | 2404 ELECTRIC RD SUITE C ROANOKE ROANOKE, VA 24018 | OPTIMA HEALTH PLAN | $1K | — | $1K | 2.25% |
| BENCHMARK BENEFITS, INC.3 Filed as: BENCHMARK BENEFITS LLC | 2404 ELECTRIC RD SUITE C ROANOKE ROANOKE, VA 24018 | OPTIMA HEALTH PLAN | $1K | — | $1K | 2.25% |
| BENCHMARK BENEFITS, INC.3 Filed as: BENCHMARK BENEFITS LLC | 2404 ELECTRIC RD SUITE C ROANOKE ROANOKE, VA 24018 | OPTIMA HEALTH PLAN | $562 | — | $562 | 2.25% |
| BENCHMARK BENEFITS, INC.3 Filed as: BENCHMARK BENEFITS LLC | 2404 ELECTRIC RD SUITE C ROANOKE ROANOKE, VA 24018 | OPTIMA HEALTH PLAN | $281 | — | $281 | 2.25% |
| GILLESPIE AGENCY LLC3 | 119 W LEE AVE VINTON, VA 24179 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $171 | — | $171 | 5.31% |
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 | 135 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | OPTIMA HEALTH PLAN | 11 | $167K |
| Dental | GUARDIAN | 104 | $86K |
| Vision | GUARDIAN | 104 | $86K |
| Life insurance | GUARDIAN | 104 | $86K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 10 | $3K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 104 | $89K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 104 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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.