| 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 | $65K | — | $65K | 3.49% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, WV 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $31 | $12K | 6.80% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, WV 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.67% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $546 | $546 | 0.30% |
| MVB INSURANCE, LLC3 Filed as: MVB INSURANCE LLC | 48 DONLEY ST STE 703 MORGANTOWN, WV 265015900 | METROPOLITAN LIFE INSURANCE COMPANY | $19 | — | $19 | 0.01% |
| ALAN ROSENBERGER3 | 13 PHAROAHS RUN RD RIVESVILLE, WV 26588 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $86 | $10K | 9.53% |
| MELISSA MELINDA ALESSIO3 | 169 BROADVIEW AVE FAIRMONT, WV 26554 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.57% |
| KEVIN RAY JOHNSTON3 | 826 TREMONT STREET MORGANTOWN, WV 26508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $185 | $1K | 1.39% |
| NICK WISDA3 | 2196 TOWNSHIP RD 55 NEVADA, OH 44849 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $331 | — | $331 | 0.32% |
| HEALTHCARE REFORM ALTERNATIVES LLC3 | 2706 BAR HARBOUR CT LEWIS CENTER, OH 43035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $10 | $23 | 0.02% |
| JAMES D THOMAS3 | 5451 ST ANDREWS DR WESTERVILLE, OH 43082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $5 | $18 | 0.02% |
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 | 210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | THE HEALTH PLAN | 183 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 303 | $180K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 303 | $180K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 303 | $283K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 96 | $103K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 303 | $180K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 303 | $283K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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.