| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMMERCIAL INSURANCE SERVICES3 | 340 MACCORKLE AVE. SE SUITE 200 CHARLESTON, WV 25329 | ACE AMERICAN INSURANCE COMPANY | $94K | — | $94K | 10.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT ASSISTANCE CORPORATION EIN 55-0715869 NONE | Contract Administrator Service code 13 | 3556 TEAYS VALLEY ROAD HURRICANE, WV 25526 | $400K |
| 4MOST HEALTH NETWORK EIN 31-1538612 NONE | Other fees Service code 99 | 447 CALL ROAD SUITE 200 CHARLESTON, WV 25312 | $69K |
| MEDWATCH, LLC EIN 59-2884658 NONE | Other services Service code 49 | P.O. BOX 952679 LAKE MARY, FL 327952679 | $46K |
| 4MOST DENTAL NETWORK EIN 31-1538612 NONE | Other fees Service code 99 | 447 CALL ROAD SUITE 200 CHARLESTON, WV 25312 | $8K |
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 | 957 | 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) | 957 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | ACE AMERICAN INSURANCE COMPANY | 957 | $910K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 957 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.