| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANTHONY PATERNO3 | 900 LEE STREET EAST CHARLESTON, WV 25301 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $58K | $0 | $58K | 2.70% |
| CENTURION INSURANCE SERVICES LLC3 Filed as: CENTURION INSURANCE SERVICES, LLC | 201 PENNSYLVANIA AVENUE, NORTH 3RD FLOOR CHARLESTON, WV 25302 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $498 | — | $498 | 0.02% |
| CENTURION INSURANCE SERVICES LLC3 Filed as: CENTURION INSURANCE SERVICES, LLC | 1001 VIRGINIA STREET EAST SUITE 100 CHARLESTON, WV 25301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $238 | $4K | 3.48% |
| CENTURION INSURANCE SERVICES LLC3 Filed as: CENTURION INSURANCE SERVICES, LLC | 1001 VIRGINIA STREET EAST SUITE 100 CHARLESTON, WV 25301 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 10.92% |
| CENTURION INSURANCE SERVICES LLC3 Filed as: CENTURION INSURANCE SERVICES, LLC | 1001 VIRGINIA STREET EAST SUITE 100 CHARLESTON, WV 25301 | VISION SERVICE PLAN | $500 | $0 | $500 | 3.10% |
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 | 188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 288 | $2.2M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $110K |
| Vision | VISION SERVICE PLAN | 122 | $16K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 188 | $90K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 188 | $90K |
| Prescription drug | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 288 | $2.2M |
| Other(2 contracts, 2 carriers) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 288 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.