| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHSMART BENEFIT SOLUTIONS3 Filed as: HEALTHSMART BENEFITS SOLUTION | 602 VIRGINIA ST E CHARLESTON, WV 25301 | VISION SERVICE PLAN | $3K | $153K | $156K | 17.35% |
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 | 5,143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 995 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 3,319 | $899K |
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 6,293 | $1.6M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,622 | $958K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,204 | $1.1M |
| Other(3 contracts, 3 carriers) | AETNA BEHAVIORAL HEALTH, LLC | 5,024 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,293 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.