| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ASSISTANCE CORPORATION3 Filed as: BENEFIT ASSISTANCE COMPANY, LLC | — | NATIONWIDE LIFE INSURANCE COMPANY | $65K | — | $65K | 15.77% |
| RISK STRATEGIES COMPANY3 Filed as: BLUE RIDGE RISK PARTNERS | — | NATIONWIDE LIFE INSURANCE COMPANY | $48K | — | $48K | 11.76% |
| CIGNA3 | — | NATIONWIDE LIFE INSURANCE COMPANY | $16K | — | $16K | 3.83% |
| 4MOST HEALTH NETWORK3 | — | NATIONWIDE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| RISK STRATEGIES COMPANY3 Filed as: BLUE RIDGE RISK PARTNERS LLC | 531 JONES AVENUE OAK HILL, WV 25901 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $10K | $19K | 18.65% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES | PO BOX 532 FOREST, VA 24551 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.06% |
| RISK STRATEGIES COMPANY3 Filed as: BLUE RIDGE RISK PARTNERS LLC | 1120C PROFESSIONAL COURT HAGERSTOWN, MD 21740 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $8K | — | $8K | 535.47% |
| BENEFICIAL ASSOCIATES, INC.3 | 115 GOLDENROD PLACE LYNCHBURG, VA 24502 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $4K | — | $4K | 229.51% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 129 | $101K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 129 | $101K |
| Life insurance | BOSTON MUTUAL LIFE INSURANCE COMPANY | 116 | $2K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 129 | $101K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 129 | $101K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 188 | $412K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 129 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.