| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEIGH FULKS Filed as: LEIGH KERSTING | 48 DONLEY STREET SUITE 703 MORGANTOWN, WV 26501 | HIGHMARK WEST VIRGINIA | $54K | — | $54K | 3.33% |
| MVB INSURANCE, LLC0 Filed as: MVB INSURANCE LLC | 48 DONLEY STREET SUITE 703 MORGANTOWN, WV 265015900 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | — | $18K | 9.97% |
| MELISSA MELINDA ALESSIO3 | 169 BROADVIEW AVE FAIRMONT, WV 26554 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $0 | $8K | 11.97% |
| ALAN ROSENBERGER3 | 13 PHAROAHS RUN ROAD RIVERSVILLE, WV 26588 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $438 | $4K | 5.93% |
| KIMBERLY DAWN HARSH3 | 1489 LOCUST AVE FAIRMONT, WV 26554 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $400 | $17 | $417 | 0.63% |
| KEVIN RAY JOHNSTON3 | 1506 BRUNSWICK COURT MORGANTOWN, WV 26508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $117 | $87 | $204 | 0.31% |
| CHRISTOPHER KELLAR3 | RT 3 BOX 130 SHINGTON, WV 26431 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | $0 | $55 | 0.08% |
| ABRAHAM AND COMPANY PLLC3 | 400 MORTON AVE MOUNDSVILLE, WV 26041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 0.03% |
| JAMES DANIEL MARTINETTE3 | 2001 DECATUR AVENUE WHEELING, WV 26003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.03% |
| MOUNTAIN STATE EMPLOYEE BENEFITS3 Filed as: MOUNTAIN STATE EMPLOYEE BENEFITSLI | 103 6TH AVE ST. ALBANS, WV 25177 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.02% |
| JULIE LIGGETT BALLEY3 Filed as: JULIE ANN LIGGETT-BAILEY | 79 HALE STREET PINE GROVE, WV 26419 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.02% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.02% |
| ENROLLEASE3 Filed as: COWAN BENEFIT SERVICES INC | 113 SEABOARD LN FRANKLIN, TN 37067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.01% |
| MELODY WOLFE | 1051 MAIN STREET LUMBERPORT, WV 26386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.01% |
| TIMOTHY J SLATER | 821 WHITE OAK CIR PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 113 SEABOARD LN FRANKLIN, TN 37067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| BENEFIT ENROLLMENT SERVICES INC3 | 4300 SIDCO DRIVE NASHVILLE, TN 37204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| DENNIS E TRAYWICK3 Filed as: DENNIS E. TRAYWICK | 4300 SIDCO DRIVE NASHVILLE, TN 37204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| TAMMY A MORGART3 Filed as: TAMMY A. MOGART | 13347 DEAN DRIVE NORTH HUNGONGDON, PA 15642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| JESSICA LEAH SCHNEIDER3 | 210 CARDEN AVE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
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 | 270 | 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) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK WEST VIRGINIA | 179 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 407 | $178K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 407 | $178K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 407 | $245K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 116 | $67K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 407 | $178K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 407 | $245K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 407 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.