| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2725 SOUTH MOORLAND ROAD NEW BERLIN, WI 53151 | HUMANA | $44K | $2K | $46K | 4.26% |
| PAUL WHITE3 | 340 MACCORKLE AVE. SE SUITE 200 CHARLESTON, WV 25314 | HIGHMARK WEST VIRGINIA | $13K | — | $13K | 3.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 245 S EXECUTIVE DRIVE SUITE 200 BROOKFIELD, WI 53005 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 7.31% |
| ROBERT J DONOHUE3 Filed as: ROBERT DONOHUE | 1200 EAST TAFT STREET SAPULPA, OK 74066 | ALL STATE | $2K | — | $2K | 13.40% |
| MIDWEST SELECT INSURANCE GROUP LLC3 Filed as: MIDWEST SELECT INSURANCE GROUP | PO BOX 207 MOSINEE, WI 54455 | ALL STATE | $763 | — | $763 | 6.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 510925 NEW BERLIN, WI 53151 | ALL STATE | $169 | — | $169 | 1.33% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WEST VIRGINIA | 340 MACCORKLE AVE SUITE 200 CHARLESTON, WV 253141100 | MET LIFE INSURANCE COMPANY | $325 | $178 | $503 | 7.09% |
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 | 205 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK WEST VIRGINIA | 51 | $361K |
| Dental(2 contracts, 2 carriers) | HUMANA | 114 | $1.1M |
| Vision(2 contracts, 2 carriers) | HUMANA | 114 | $1.4M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 205 | $131K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 205 | $131K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 205 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.