| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WV | 340 MACCORKLE AVE SE STE 200 CHARLESTON, WV 25314 | THE HEALTH PLAN | — | $12K | $12K | 3.10% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WV | 340 MACCORKLE AVE SE STE 200 CHARLESTON, WV 25314 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $3K | $8K | 7.59% |
| KRIS TYSSEN DUARTE3 | 917 GAWTHROP ROAD GRAFTON, WV 26354 | — | $23K | $6K | $28K | 39.35% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WV | 340 MACCORKLE AVE SE STE 200 CHARLESTON, WV 25314 | — | $17K | — | $17K | 22.98% |
| KEVIN RAY JOHNSTON3 | 826 TREMONT STREET MORGANTOWN, WV 26508 | — | $5K | $4K | $8K | 11.52% |
| STEVEN HANING3 | PO BOX 1638 CLARKSBURG, WV 26302 | — | $3K | $2K | $5K | 6.62% |
| COMMERCIAL INSURANCE SERVICES3 Filed as: COMMERCIAL INSURANCE SERVICES INC. | 340 MACCORKLE AVE SE STE 200 CHARLESTON, WV 25314 | UNITED OF OMAHA LIFE INSURANCE COMPANY LONG TERM DISABILITY | $4K | $2K | $7K | 15.37% |
| COMMERCIAL INSURANCE SERVICES3 Filed as: COMMERCIAL INSURANCE SERVICES INC. | 340 MACCORKLE AVE SE STE 200 CHARLESTON, WV 25314 | UNITED OF OMAHA LIFE INSURANCE COMPANY SHORT TERM DISABILITY | $3K | $2K | $5K | 14.63% |
| COMMERCIAL INSURANCE SERVICES3 Filed as: COMMERCIAL INSURANCE SERVICES INC. | 340 MACCORKLE AVE SE STE 200 CHARLESTON, WV 25314 | UNITED OF OMAHA LIFE INSURANCE COMPANY LIFE & AD&D | $3K | $2K | $4K | 15.70% |
| COMMERCIAL INSURANCE SERVICES3 Filed as: COMMERCIAL INSURANCE SERVICES INC. | 340 MACCORKLE AVE SE STE 200 CHARLESTON, WV 25314 | UNITED OF OMAHA LIFE INSURANCE COMPANY LIFE & AD&D VOLUNTARY | $3K | $924 | $4K | 20.38% |
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 | 336 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | THE HEALTH PLAN | 177 | $373K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 336 | $105K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 336 | $105K |
| Life insurance(3 contracts, 3 carriers) | 251 | $116K | |
| Short-term disability(4 contracts, 4 carriers) | 251 | $153K | |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY LONG TERM DISABILITY | 250 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.