| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERV LLC | 200 SUMMIT LAKE DR STE 350 VALHALLA, NY 10595 | THE HEALTH PLAN | $54K | — | $54K | 3.29% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, WV 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $41 | $12K | 6.68% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, WV 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.47% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 234662817 | METROPOLITAN LIFE INSURANCE COMPANY | $677 | $41 | $718 | 0.40% |
| MVB INSURANCE, LLC3 Filed as: MVB INSURANCE LLC | 48 DONLEY ST STE 703 MORGANTOWN, WV 265015900 | METROPOLITAN LIFE INSURANCE COMPANY | $96 | — | $96 | 0.05% |
| ALAN ROSENBERGER3 | 13 PHAROAHS RUN RD RIVESVILLE, WV 26588 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | $486 | $16K | 14.29% |
| NICK WISDA3 | 2196 TOWNSHIP RD 55 NEVADA, OH 44849 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $446 | $3K | 2.39% |
| KEVIN RAY JOHNSTON3 | 826 TREMONT STREET MORGANTOWN, WV 26508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $232 | $2K | 1.76% |
| MELISSA MELINDA ALESSIO3 | 169 BROADVIEW AVE FAIRMONT, WV 26554 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.44% |
| HEALTHCARE REFORM ALTERNATIVES LLC3 | 2706 BAR HARBOUR CT LEWIS CENTER, OH 43035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $168 | $80 | $248 | 0.23% |
| JAMES D THOMAS3 | 5451 ST ANDREWS DR WESTERVILLE, OH 43082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $168 | $25 | $193 | 0.18% |
| DEBORAH LYNN FRANCO3 | 2 JUNIOR AVE WHEELING, WV 26003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $173 | — | $173 | 0.16% |
| TIMOTHY J SLATER3 Filed as: TIMOTHY J. SLATER | 821 WHITE OAK CIRCLE PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $11 | $37 | 0.03% |
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 | 252 | 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) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | THE HEALTH PLAN | 184 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 330 | $182K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 330 | $182K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 330 | $291K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 105 | $109K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 330 | $182K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 330 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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.