| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 630 W GERMANTOWN RIKE PLYMOUTH MEETING, PA 19462 | HIGHMARK WEST VIRGINIA | $39K | — | $39K | 2.35% |
| LEIGH FULKS3 | 48 DONLEY STREET SUITE 703 MORGANTOWN, WV 265015900 | HIGHMARK WEST VIRGINIA | $19K | — | $19K | 1.13% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $8K | 4.27% |
| MVB INSURANCE, LLC3 Filed as: MVB INSURANCE LLC | 48 DONLEY STREET SUITE 703 MORGANTOWN, WV 265015900 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 3.80% |
| MELISSA MELINDA ALESSIO3 | 1489 LOCUST AVE FAIRMONT, WV 26554 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | — | $12K | 15.28% |
| ALAN ROSENBERGER3 | 13 PHAROAHS RUN RD RIVESVILLE, WV 26588 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $212 | $4K | 5.27% |
| KEVIN RAY JOHNSTON3 | 826 TREMONT STREET MORGANTOWN, WV 26508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $663 | $2K | 2.20% |
| KIMBERLY DAWN HARSH3 | 1489 LOCUST AVE SUITE F FAIRMONT, WV 26554 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $30 | $1K | 1.79% |
| CHRISTOPHER KELLAR3 | RT 3 BOX 130 SHINNSTON, WV 26431 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| ABRAHAM AND COMPANY PLLC3 | 400 MORTON AVE MOUNDSVILLE, WV 26041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| JAMES DANIEL MARTINETTE3 | 2001 DECATUR AVE WHEELING, WV 26003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| MELODY WOLFE3 | 1051 MAIN ST LUMBERPORT, WV 26386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD STE 14A CHICAGO, IL 60604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| JULIE LIGGETT BALLEY3 | PO BOX 81 PINE GROVE, WV 26419 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| TIMOTHY J SLATER3 Filed as: TIMOTHY J. SLATER | 821 WHITE OAK CIR PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| BENEFIT ENROLLMENT SERVICES INC3 | 4300 SIDCO DR NASHVILLE, TN 37204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| TAMMY A MORGART3 | 13347 DEAN DRIVE NORTH HUNTINGDON, PA 15642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| DENNIS E TRAYWICK3 | 4300 SIDCO DRIVE NASHVILLE, TN 37204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JESSICA LEAH SCHNEIDER3 | 210 CARDEN AVE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $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 | 154 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK WEST VIRGINIA | 168 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 321 | $179K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 321 | $179K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 321 | $257K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 84 | $78K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 321 | $179K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 321 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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.
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.