| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS | 340 MACCORKLE AVE SE STE 200 CHARLESTON, WV 25314 | THE HEALTH PLAN | $0 | $19K | $19K | 1.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WV | 340 MACCORKLE AVE SE STE 200 CHARLESTON, WV 25314 | PRINCIPAL LIFE INSURANCE COMPANY | $442 | $3K | $3K | 3.91% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WV | 340 MACCORKLE AVE SE STE 200 CHARLESTON, WV 25314 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 14.39% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WV | 340 MACCORKLE AVE SE STE 200 CHARLESTON, WV 25314 | UNITED OF OMAHA LIFE INSURANCE COMPANY LONG TERM DISABILITY | $4K | $3K | $6K | 16.96% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WV | 340 MACCORKLE AVE SE STE 200 CHARLESTON, WV 25314 | COLONIAL LIFE & ACCIDENT COMPANY | $3K | $0 | $3K | 8.62% |
| KEVIN RAY JOHNSON3 | 701 LAKEVIEW ESTATES TOWNHOMES MORGANTOWN, WV 26508 | COLONIAL LIFE & ACCIDENT COMPANY | $1K | $308 | $2K | 5.07% |
| STEVEN HANING3 | PO BOX 1638 CLARKSBURG, WV 26302 | COLONIAL LIFE & ACCIDENT COMPANY | $1K | $0 | $1K | 3.43% |
| ALAN ROSENBERGER3 | 13 PHAROAHS RUN ROAD RIVESVILLE, WV 26588 | COLONIAL LIFE & ACCIDENT COMPANY | $906 | $39 | $945 | 3.00% |
| KIMBERELY LYNNETTE SHERRY3 | 14707 VETERANS MEMORIAL HWY REEDSVILLE, WV 26547 | COLONIAL LIFE & ACCIDENT COMPANY | $38 | $15 | $53 | 0.17% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WV | 340 MACCORKLE AVE SE STE 200 CHARLESTON, WV 25314 | UNITED OF OMAHA LIFE INSURANCE COMPANY LIFE & AD&D | $3K | $2K | $4K | 16.26% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WV | 340 MACCORKLE AVE SE STE 200 CHARLESTON, WV 25314 | UNITED OF OMAHA LIFE INSURANCE COMPANY LIFE & AD&D VOLUNTARY | $2K | $796 | $2K | 22.51% |
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 | 234 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | THE HEALTH PLAN | 151 | $1.8M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 234 | $79K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 234 | $79K |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT COMPANY | 180 | $68K |
| Short-term disability(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $105K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY LONG TERM DISABILITY | 180 | $36K |
| Prescription drug | THE HEALTH PLAN | 151 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.