See the carriers, broker commissions and premiums for this plan.
It also shows filing history and funding margin. Your first month is $4.99.
See 2 contract rows with premium, retention and renewal dates. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
See commissions and fees for 1 broker row. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK WEST VIRGINIA EIN 55-0624615 NONE | Direct payment from the plan; Claims processing Service code 12 | 614 MARKET STREET PARKERSBURG, WV 26102 | $220K |
| UNITED BANK EIN 55-6100340 NONE | Direct payment from the plan; Trustee (discretionary) Service code 24 | PO BOX 393 CHARLESTON, WV 25322 | $54K |
| AMERICAN BENEFIT CORPORATION EIN 55-0672859 NONE | Direct payment from the plan; Contract Administrator Service code 13 | 3150 US ROUTE 60 ONA, WV 25545 | $46K |
| GRAY, GRIFFITH & MAYS, A.C. EIN 55-0621482 NONE | Direct payment from the plan; Accounting (including auditing) 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 | 517 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 149 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 666 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK WEST VIRGINIA, INC. | 517 | $0 |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 410 | $261K |
| Prescription drug | HIGHMARK WEST VIRGINIA, INC. | 517 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 517 | — |
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. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan is either richly funded or stuck with a bad rate.