| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE EMPLOYEE BENEFIT SERVICE CENTER5 | 4430 KANAWHA TURNPIKE SOUTH CHARLESTON, WV 25309 | UNITED STATES FIRE INSURANCE COMPANY | $0 | $73K | $73K | 21.85% |
| INTRA STATE INSURANCE CORP3 | P.O. BOX 5526 VIENNA, WV 26105 | UNITED STATES FIRE INSURANCE COMPANY | $39K | — | $39K | 11.76% |
| S&S HEALTHCARE5 | 1385 KEMPER MEADOW DRIVE CINCINNATI, OH 45240 | UNITED STATES FIRE INSURANCE COMPANY | $0 | $26K | $26K | 7.73% |
| CLINIX HEALTHCARE5 | 3492 SNOUFFER ROAD, SUITE 200 COLUMBUS, OH 43235 | UNITED STATES FIRE INSURANCE COMPANY | $0 | $5K | $5K | 1.59% |
| INTRA STATE INSURANCE CORP3 | P.O. BOX 5526 VIENNA, WV 261055526 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 12.84% |
| INTRA STATE INSURANCE CORP3 | P.O. BOX 5526 VIENNA, WV 26105 | DELTA DENTAL OF PENNSYLVANIA | $3K | — | $3K | 10.00% |
| USI INSURANCE SERVICES LLC3 | 408 9TH STREET HUNTINGTON, WV 257011418 | VISION SERVICE PLAN | $1K | — | $1K | 5.67% |
| DAVID B. WILSON3 | P.O. BOX 378 BELMONT, WV 26134 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $483 | — | $483 | 3.63% |
| ERIC FITZER3 | P.O. BOX 5526 VIENNA, WV 26105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $355 | — | $355 | 2.67% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED STATES FIRE INSURANCE COMPANY | 227 | $333K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 147 | $35K |
| Vision | VISION SERVICE PLAN | 93 | $19K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 274 | $75K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 36 | $13K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 274 | $62K |
| Prescription drug | UNITED STATES FIRE INSURANCE COMPANY | 227 | $333K |
| Stop-loss / reinsurancereinsurance | UNITED STATES FIRE INSURANCE COMPANY | 227 | $333K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 274 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.