| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTRA STATE INSURANCE CORP3 | P.O. BOX 5526 VIENNA, WV 26105 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $52K | — | $52K | 2.76% |
| THE EMPLOYEE BENEFIT SERVICE CENTER5 | 4430 KANAWHA TURNPIKE SOUTH CHARLESTON, WV 25309 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | — | — | $0 | 0.00% |
| S&S HEALTHCARE5 | 1385 KEMPER MEADOW DRIVE CINCINNATI, OH 45240 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | — | — | $0 | 0.00% |
| CLINIX HEALTHCARE5 | 3492 SNOUFFER ROAD, SUITE 200 COLUMBUS, OH 43235 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | — | — | $0 | 0.00% |
| INTRA STATE INSURANCE CORP3 | P.O. BOX 5526 VIENNA, WV 261055526 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 12.39% |
| INTRA STATE INSURANCE CORP3 | P.O. BOX 5526 VIENNA, WV 26105 | DELTA DENTAL OF PENNSYLVANIA | $4K | — | $4K | 10.00% |
| INTRA STATE INSURANCE CORP3 Filed as: INTRA-STATE INSURANCE CORP | P.O. BOX 5526 VIENNA, WV 261055526 | VISION SERVICE PLAN | $910 | — | $910 | 4.85% |
| USI INSURANCE SERVICES LLC3 | 408 9TH STREET HUNTINGTON, WV 257011418 | VISION SERVICE PLAN | $150 | — | $150 | 0.80% |
| DAVID B. WILSON3 | P.O. BOX 378 BELMONT, WV 26134 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $395 | — | $395 | 3.50% |
| ERIC FITZER3 | P.O. BOX 5526 VIENNA, WV 26105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $305 | — | $305 | 2.70% |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 247 | $1.9M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 157 | $36K |
| Vision | VISION SERVICE PLAN | 103 | $19K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 266 | $82K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 31 | $11K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 266 | $71K |
| Prescription drug | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 247 | $1.9M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 266 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.