| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARRY W BRADLEY3 | 139 RALPH DRIVE HURRICANE, WV 25526 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $21K | $321 | $21K | 11.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK WEST VIRGINIA EIN 55-0624615 NONE | Claims processing; Direct payment from the plan Service code 12 | 614 MARKET STREET PARKERSBURG, WV 26102 | $241K |
| AMERICAN BENEFIT CORPORATION EIN 55-0672859 NONE | Direct payment from the plan; Contract Administrator Service code 13 | 3150 US ROUTE 60 ONA, WV 25545 | $70K |
| UNITED BANK EIN 55-6100340 NONE | Trustee (discretionary); Direct payment from the plan Service code 24 | PO BOX 393 CHARLESTON, WV 25322 | $38K |
| GRAY, GRIFFITH & MAYS, A.C. EIN 55-0621482 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 707 VIRGINIA ST., EAST, SUITE 400 CHARLESTON, WV 25301 | $12K |
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 | 736 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 208 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 944 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK WEST VIRGINIA, INC. | 741 | $36K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 585 | $192K |
| Prescription drug | HIGHMARK WEST VIRGINIA, INC. | 741 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 741 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.