| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY3 Filed as: BLUE RIDGE RISK PARTNERS, LLC | 1120C PROFESSIONAL COURT HAGERSTOWN, MD 21740 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $56K | — | $56K | 3.41% |
| BENEFICIAL ASSOCIATES, INC.3 | PO BOX 532 FOREST, VA 24551 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $13K | — | $13K | 25.45% |
| RISK STRATEGIES COMPANY3 Filed as: BLUE RIDGE RISK PARTNERS, LLC | 1120C PROFESSIONAL COURT HAGERSTOWN, MD 21740 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 12.96% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES, LLC | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.80% |
| BENEFICIAL ASSOCIATES, INC.3 | 115 GOLDENROD PLACE FOREST, VA 24551 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.54% |
| RISK STRATEGIES COMPANY3 Filed as: BLUE RIDGE RISK PARTNERS, LLC | 104 3RD STREET ELKINS, WV 26241 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $700 | $3K | 5.91% |
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 | 245 | 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) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 164 | $1.7M |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 245 | $43K |
| Life insurance(2 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 245 | $96K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 245 | $43K |
| Other(2 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 245 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.