| 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 | THP INSURANCE COMPANY | $0 | $67K | $67K | 4.51% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WV | 340 MACCORKLE AVE SE STE 200 CHARLESTON, WV 25314 | PRINCIPAL LIFE INSURANCE COMPANY | $455 | $0 | $455 | 0.54% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 10 N PARK DRIVE STE 200 HUNT VALLEY, MD 21030 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $412 | $412 | 0.49% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WV | 340 MACCORKLE AVE SE STE 200 CHARLESTON, WV 25314 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 12.72% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WV | 340 MACCORKLE AVE SE STE 200 CHARLESTON, WV 25314 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $918 | $5K | 14.93% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WV | 340 MACCORKLE AVE SE STE 200 CHARLESTON, WV 25314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $222 | $2K | 6.37% |
| ALAN ROSENBERGER3 | 13 PHAROAHS RUN ROAD RIVESVILLE, WV 26588 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $106 | $1K | 5.01% |
| PAUL EDWARD KOONTZ3 | 714 VENTURE DRIVE #134 MORGANTOWN, WV 26508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $153 | $104 | $257 | 0.99% |
| KEVIN RAY JOHNSON3 | 701 LAKEVIEW EST TOWNHOMES MORGANTOWN, WV 26508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $177 | $0 | $177 | 0.68% |
| STEVEN HANING3 | PO BOX 1638 CLARKSBURG, WV 26302 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.05% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WV | 340 MACCORKLE AVE SE STE 200 CHARLESTON, WV 25314 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $759 | $3K | 12.99% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WV | 340 MACCORKLE AVE SE STE 200 CHARLESTON, WV 25314 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $269 | $2K | 18.23% |
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 | 213 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | THP INSURANCE COMPANY | 145 | $1.5M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 213 | $85K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 213 | $85K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 198 | $60K |
| Short-term disability(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 198 | $93K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 198 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.