| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BOON INSURANCE AGENCY3 Filed as: THE BOON INSURANCE AGENCY, INC. | 6300 BRIDGEPOINT PARKWAY BUILDING 3 500 AUSTIN, VA 78730 | AETNA LIFE INSURANCE COMPANY | $54K | — | $54K | 2.34% |
| CHRIS CAVENESS3 | 5051 TWELVE OCLOCK KNOB RD IN C/O CHRISTOPHER CAVENESS ROANOKE, VA 24018 | AETNA LIFE INSURANCE COMPANY | $54K | — | $54K | 2.33% |
| BRUCE CROHN LLC5 Filed as: BRUCE HARRIS | 11416 ROYALSHIRE DR DALLAS, TX 75230 | AETNA LIFE INSURANCE COMPANY | $19K | — | $19K | 0.83% |
| THE BOON INSURANCE AGENCY3 Filed as: THE BOON INSURANCE AGENCY, INC. | 6300 BRIDGEPOINT PARKWAY BUILDING 3 500 AUSTIN, TX 78730 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | — | $6K | 15.48% |
| BRUCE CROHN LLC5 Filed as: BRUCE HARRIS | 11416 ROYALSHIRE DR DALLAS, TX 75230 | TRANSAMERICA LIFE INSURANCE COMPANY | $492 | — | $492 | 1.38% |
| CHRIS CAVENESS3 | 5051 TWELVE OCLOCK KNOB ROAD ROANOKE, VA 24018 | TRANSAMERICA LIFE INSURANCE COMPANY | $48 | — | $48 | 0.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BOON ADMINISTRATIVE SERVICES, INC. EIN 33-0449333 THIRD PARTY ADMINISTRATOR | Contract Administrator; Insurance services; Float revenue; Claims processing; Direct payment from the plan Service code 12 | 6300 BRIDGEPOINT PARKWAY BUILDING 3 500 AUSTIN, TX 78730 | $247K |
| KING, SHORES & PRESTON CPAS EIN 54-1643141 AUDITOR | Accounting (including auditing) Service code 10 | 2707 BRAMBLETON AVENUE ROANOKE, VA 24015 | $12K |
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 | 452 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 452 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 650 | $2.3M |
| Dental | AETNA LIFE INSURANCE COMPANY | 650 | $2.3M |
| Vision | AETNA LIFE INSURANCE COMPANY | 650 | $2.3M |
| Life insurance | TRANSAMERICA LIFE INSURANCE COMPANY | 650 | $36K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 650 | $2.3M |
| Other | TRANSAMERICA LIFE INSURANCE COMPANY | 650 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 650 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.