| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL S. KELLER3 | 445 HUTCHINSON AVE. SUITE 900 COLUMBUS, OH 43235 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $34K | — | $34K | 1.52% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 445 HUTCHINSON AVE. SUITE 900 COLUMBUS, OH 432358619 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | — | $16K | 10.70% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | DELTA DENTAL OF WEST VIRGINIA | $13K | — | $13K | 10.44% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $712 | $55 | $767 | 1.31% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $71 | $71 | 0.12% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60683 | HM LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | HM LIFE INSURANCE COMPANY | $19 | — | $19 | 10.16% |
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 | 242 | 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) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 404 | $2.3M |
| Dental | DELTA DENTAL OF WEST VIRGINIA | 425 | $123K |
| Vision(2 contracts) | HM LIFE INSURANCE COMPANY | 170 | $32K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 399 | $59K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 228 | $145K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 228 | $145K |
| Prescription drug | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 404 | $2.3M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 399 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 425 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.