| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WV LLC | 340 MACCORKLE AVE SE SUITE 200 CHARLESTON, WV 25314 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $32K | — | $32K | 5.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCL SUIRE 4500 HUNT VALLEY, MD 21031 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 4.02% |
| PLAN BENEFIT SERVICES INC3 Filed as: PLAN SOURCE HOLDINGS INC | — | AETNA LIFE INSURANCE CO. | $32K | — | $32K | 21.49% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WEST VIRGINIA | DBA INSURANCE SYSTEMS, INC. 340 MACCORKLE AVE SE CHARLESTON, WV 25314 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 1.22% |
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 | 921 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 26 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 957 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AETNA LIFE INSURANCE CO. | 2,223 | $148K |
| Life insurance | ENCOVA MUTUAL INSURANCE COMPANY | 1,143 | $592K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,152 | $638K |
| Other(3 contracts, 2 carriers) | ENCOVA MUTUAL INSURANCE COMPANY | 1,173 | $618K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,223 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.