| 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 | $57K | $57K | 4.03% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WV | 340 MACCORKLE AVE SE STE 200 CHARLESTON, WV 25314 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 8.05% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK STE 200 HUNT VALLEY, MD 21030 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $758 | $758 | 0.89% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WV | 340 MACCORKLE AVE SE STE 200 CHARLESTON, WV 25314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 6.75% |
| KEVIN RAY JOHNSTON3 | 701 LAKEVIEW ESTATES TOWNHOMES MORGANTOWN, WV 26508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.93% |
| ALAN ROSENBERGER3 | 13 PHARAOHS RUN ROAD RIVESVILLE, WV 26588 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $809 | $68 | $877 | 2.50% |
| STEVEN HANING3 | PO BOX 1638 CLARKSBURG, WV 23602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $865 | $0 | $865 | 2.46% |
| PAUL EDWARD KOONTZ3 | 714 VENTURE DRIVE #134 MORGANTOWN, WV 26508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $38 | $50 | 0.14% |
| 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 | 16.01% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WV | 340 MACCORKLE AVE SE STE 200 CHARLESTON, WV 25314 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $6K | 18.09% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WV | 340 MACCORKLE AVE SE STE 200 CHARLESTON, WV 25314 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $4K | 16.05% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WV | 340 MACCORKLE AVE SE STE 200 CHARLESTON, WV 25314 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $636 | $2K | 22.08% |
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 | 204 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | THE HEALTH PLAN | 12 | $1.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 204 | $85K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 204 | $85K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 158 | $69K |
| Short-term disability(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 158 | $103K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.
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.