| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS Filed as: ASSURED PARTNERS OF WV, LLC | P.O. BOX 10 ONA, WV 25545 | HIGHMARK OF WV | $127K | — | $127K | 3.20% |
| JAMES HARMON3 | 24610 DETROIT RD ST 10 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE | $11K | — | $11K | 8.63% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO, LLC | 3900 KINROSS LAKES PKWY #300 RICHFIELD, OH 44286 | THE LINCOLN NATIONAL LIFE INSURANCE | $2K | $3K | $4K | 3.40% |
| JAMES HARMON3 | 24610 DETROIT RD ST 10 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE | $8K | — | $8K | 8.63% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO, LLC | 3900 KINROSS LAKES PKWY #300 RICHFIELD, OH 44286 | THE LINCOLN NATIONAL LIFE INSURANCE | $1K | $2K | $3K | 3.41% |
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 | 266 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK OF WV | 266 | $4.0M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE | 203 | $92K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE | 171 | $129K |
| 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."
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.