| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WV | 340 MACCORKLE AVENUE SE STE 200 CHARLESTON, WV 25314 | THE HEALTH PLAN | — | $24K | $24K | 1.29% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WV | 340 MACCORKLE AVE SE STE 200 CHARLESTON, WV 25314 | PRINCIPAL LIFE INSURANCE COMPANY DENTAL/VISION | $6K | $2K | $7K | 6.40% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 200 INTERNATIONAL CIR STE 4500 HUNT VALLEY, MD 21030 | PRINCIPAL LIFE INSURANCE COMPANY DENTAL/VISION | — | $4K | $4K | 3.07% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WV | 340 MACCORKLE AVE SE STE 200 CHARLESTON, WV 25314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 6.70% |
| STEVEN HANING | PO BOX 1638 CLARKSBURG, WV 26302 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 4.61% |
| KEVIN RAY JOHNSTON | 826 TREMONT STREET MORGANTOWN, WV 26508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $374 | $3K | 4.27% |
| KRIS TYSSEN DUARTE | 917 GAWTHROP ROAD GRAFTON, WV 26354 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $108 | — | $108 | 0.17% |
| 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 | $899 | $3K | $4K | 8.34% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WV | ONE INSURANCE WAY STE 10 ONA, WV 25545 | UNITED OF OMAHA LIFE INSURANCE COMPANY LONG TERM DISABILITY | $3K | — | $3K | 7.55% |
| 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 | $1K | $2K | $3K | 10.44% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WV | ONE INSURANCE WAY STE 10 ONA, WV 25545 | UNITED OF OMAHA LIFE INSURANCE COMPANY SHORT TERM DISABILITY | $2K | — | $2K | 6.07% |
| 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 | $885 | $2K | $3K | 9.59% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WV | ONE INSURANCE WAY STE 10 ONA, WV 25545 | UNITED OF OMAHA LIFE INSURANCE COMPANY LIFE & AD&D | $2K | — | $2K | 6.61% |
| COMMERCIAL INSURANCE SERVICES3 Filed as: COMMERCIAL INSURANCE SERVICES INC. | 340 MACCORKLE AVENUE SE CHARLESTON, WV 25314 | UNITED OMAHA LIFE INSURANCE COMPANY LIFE & AD&D VOLUNTARY | $729 | $1K | $2K | 12.39% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WV | ONE INSURANCE WAY STE 10 ONA, WV 25545 | UNITED OMAHA LIFE INSURANCE COMPANY LIFE & AD&D VOLUNTARY | $1K | — | $1K | 9.85% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WV | 340 MACCORKLE AVE SE STE 200 CHARLESTON, WV 25314 | METROPOLITAN LIFE INSURANCE COMPANY | $332 | $15 | $347 | 3.47% |
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 | 342 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | THE HEALTH PLAN | 205 | $1.9M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY DENTAL/VISION | 342 | $127K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY DENTAL/VISION | 342 | $127K |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 251 | $106K |
| Short-term disability(4 contracts, 4 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 264 | $137K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY LONG TERM DISABILITY | 251 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.