| 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 | — | $24K | $24K | 1.95% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WV | 340 MACCORKLE AVE SE STE 200 CHARLESTON, WV 25314 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $8K | 6.68% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WV | 340 MACCORKLE AVE SE STE 200 CHARLESTON, WV 25314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | — | $10K | 11.26% |
| KRIS TYSSEN DUARTE3 | 917 GAWTHROP ROAD GRAFTON, WV 26354 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 8.05% |
| KEVIN RAY JOHNSTON3 | 826 TREMONT STREET MORGANTOWN, WV 26508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 6.97% |
| STEVEN HANING | PO BOX 1638 CLARKSBURG, WV 26302 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 4.24% |
| 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 | $670 | $5K | 10.81% |
| 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 | $561 | $4K | 10.22% |
| 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 | $413 | $3K | 11.53% |
| COMMERCIAL INSURANCE SERVICES3 Filed as: COMMERCIAL INSURANCE SERVICES INC. | 340 MACCORKLE AVE SE STE 200 CHARLESTON, WV 25314 | UNITED OMAHA LIFE INSURANCE COMPANY LIFE & AD&D VOLUNTARY | $3K | $252 | $3K | 16.49% |
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 | 355 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | THE HEALTH PLAN | 180 | $1.2M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 355 | $203K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY LIFE & AD&D | 244 | $44K |
| Short-term disability(4 contracts, 4 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 244 | $164K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY LONG TERM DISABILITY | 244 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 355 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.