| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | HIGHMARK BLUE CROSS BLUE SHIELD OF WEST VIRGINIA | $219K | $0 | $219K | 0.83% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $263K | $58K | $322K | 11.72% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $474 | $474 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNITED CONCORDIA INSURANCE COMPANY | $93K | $1K | $95K | 5.77% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | EYEMED VISION CARE | $16K | $0 | $16K | 4.67% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | INC 555 FAIRMOUNT AVE TOWSON, MD 21286 | METROPOLITAN LIFE INSURANCE COMPANY | $41K | $995 | $42K | 40.65% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $995 | $16K | 15.21% |
| DONALD J BOOTH3 | 7001 HERITAGE VILLAGE PLZ SUITE 100 GAINESVILLE, VA 20155 | METROPOLITAN LIFE INSURANCE COMPANY | $22 | $995 | $1K | 0.98% |
| CAPITAL GROUP BENEFITS LLC3 Filed as: CAPITAL GROUP BENEFITS AND | FINANCIAL SRVS 7001 HERITAGE VILLAGE PLZ GAINESVILLE, VA 20155 | METROPOLITAN LIFE INSURANCE COMPANY | $8 | $995 | $1K | 0.97% |
| EDWARD G JACHELSKI3 | 47 GREY MOSS RD MURRELLS INLET, SC 29576 | METROPOLITAN LIFE INSURANCE COMPANY | $4 | $995 | $999 | 0.96% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METLIFE LEGAL PLANS, INC. | $6K | $988 | $7K | 11.99% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | INC 555 FAIRMOUNT AVE BALTIMORE, MD 21286 | ZURICH AMERICAN INSURANCE COMPANY | $200 | $0 | $200 | 20.00% |
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 | 2,338 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 49 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,387 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK BLUE CROSS BLUE SHIELD OF WEST VIRGINIA | 2,396 | $26.3M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 1,792 | $1.6M |
| Vision | EYEMED VISION CARE | 3,396 | $334K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,338 | $2.7M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,338 | $2.7M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,338 | $2.7M |
| Prescription drug(2 contracts, 2 carriers) | HIGHMARK BLUE CROSS BLUE SHIELD OF WEST VIRGINIA | 2,396 | $26.3M |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,362 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,396 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.