| 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 | $10K | $3K | $13K | 11.86% |
| ROBERT WEEKS3 | PO BOX 20167 ROANOKE, VA 24018 | NATIONAL TEACHERS ASSOC LIFE INS CO | $11K | — | $11K | 24.51% |
| OPTIVISE LLC3 | 120 18TH ST S BIRMINGHAM, AL 35233 | NATIONAL TEACHERS ASSOC LIFE INS CO | $7K | — | $7K | 14.59% |
| DAVID REICHELT3 | 7937 EDINBURGH DR SPRINGFIELD, VA 22153 | NATIONAL TEACHERS ASSOC LIFE INS CO | $3K | — | $3K | 7.84% |
| LINDSAY PACE3 | 375 CRAIGS MOUNTAIN RD CHRISTIANSBURG, VA 24073 | NATIONAL TEACHERS ASSOC LIFE INS CO | $1K | — | $1K | 3.02% |
| NICHOLAS BARATTINI3 | 1142 ANGELICA LN TEGA CAY, SC 29708 | NATIONAL TEACHERS ASSOC LIFE INS CO | $1K | — | $1K | 2.38% |
| RICHARD LEE3 | 555 BAYVIEW DR BELLEAIR, FL 33756 | NATIONAL TEACHERS ASSOC LIFE INS CO | $855 | — | $855 | 1.92% |
| MICHAEL FOSTER3 | 21251 MARSH HAWK DR LAND OLAKES, FL 34638 | NATIONAL TEACHERS ASSOC LIFE INS CO | $855 | — | $855 | 1.92% |
| JULIE MAZANECK3 | 1070 KNIGHTS BRIDGE WAY FOREST, VA 24551 | NATIONAL TEACHERS ASSOC LIFE INS CO | $762 | — | $762 | 1.71% |
| KATHERINE MARCELLUS3 | 4 FITZGERALD RD CUMBERLAND, VA 23040 | NATIONAL TEACHERS ASSOC LIFE INS CO | $613 | — | $613 | 1.37% |
| MARCUS MORRIS3 | 4400 RIFFLE ST ELLISTON, VA 24068 | NATIONAL TEACHERS ASSOC LIFE INS CO | $356 | — | $356 | 0.80% |
| TINA ODGERS3 | 9 TRAVIS PLACE PORTSMOUTH, VA 23702 | NATIONAL TEACHERS ASSOC LIFE INS CO | $243 | — | $243 | 0.54% |
| TAYLOR BRANSCOMB3 | 311 TETON CIRCLE SUFFOLK, VA 23435 | NATIONAL TEACHERS ASSOC LIFE INS CO | $206 | — | $206 | 0.46% |
| JODY CROWE3 | 2538 BROOK ST NE ROANOKE, VA 24012 | NATIONAL TEACHERS ASSOC LIFE INS CO | $115 | — | $115 | 0.26% |
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 | 112 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 103 | $106K |
| Vision | GUARDIAN | 103 | $106K |
| Life insurance | GUARDIAN | 103 | $106K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 112 | $150K |
| Long-term disability | GUARDIAN | 103 | $106K |
| Other | GUARDIAN | 103 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.