| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUSTPOINT BENEFITS & COMPENSATION3 | 16 CHURCH AVE ROANOKE, VA 24011 | COMPANION LIFE INSURANCE COMPANY | $9K | $0 | $9K | 10.03% |
| BENEFICIAL ASSOCIATES, INC.3 Filed as: BENEFICIAL ASSOCIATES INC | PO BOX 532 FOREST, VA 24551 | COMPANION LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.37% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES, LLC | 450 S ORANGE AVE 4TH FLOOR ORLANDO, FL 32801 | COMPANION LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.64% |
| INC, BENEFICIAL ASSOCIATES3 | PO BOX 532 FOREST, VA 24551 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $21K | $0 | $21K | 29.89% |
| TRUSTPOINT BENEFITS & COMPENSATION3 Filed as: TRUSTPOINT INSURANCE LLC | 16 EAST CHURCH AVE ROANOKE, VA 24011 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.62% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENFROLLMENTS SERVICES LLC | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.04% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 | DBA BAI SELECT BENEFICIAL ASSOC 115 GOLDENROD PLACE LYNCHBURG, VA 24502 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 14.36% |
| BENEFICIAL ASSOCIATES, INC.3 Filed as: BENEFICIAL ASSOCIATES INC | 115 GOLDENROD PL LYNCHBURG, VA 24502 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| DISABILITY RMS5 | P.O. BOX 9757 PORTLAND, ME 04104 | TRANSAMERICA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 13.50% |
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 | 220 | 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) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMPANION LIFE INSURANCE COMPANY | 394 | $90K |
| Vision | COMPANION LIFE INSURANCE COMPANY | 394 | $90K |
| Life insurance(2 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 304 | $111K |
| Long-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 118 | $27K |
| Other | BOSTON MUTUAL LIFE INSURANCE COMPANY | 304 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 394 | — |
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.