| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTOPHER POWELL3 Filed as: CHRISTOPHER W. POWELL | 350 OLD IVY WAY STE 200 CHARLOTTESVILLE, VA 22903 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $16K | — | $16K | 3.05% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 113 SOUTH WAYNE AVE PO BOX 700 WAYNESBORO, VA 22980 | ANTHEM HEALTH PLANS OF VIRGINIA INC | $7K | — | $7K | 1.81% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 1425 SIMINOLE TRAIL 2ND FLOOR CHARLOTTESVILLE, VA 22901 | AMERITAS LIFE INSURANCE CORP | $3K | — | $3K | 5.64% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 47 AIRPARK COURT P. O. BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP | — | $2K | $2K | 3.42% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE SUITE 350 VALHALLA, NY 105961360 | METROPOLITAN LIFE INSURANCE COMPANY | $685 | $27 | $712 | 5.11% |
| USI INSURANCE SERVICES LLC3 | P. O. BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | $325 | $245 | $570 | 4.09% |
| USI INSURANCE SERVICES LLC3 | P. O. BOX 62827 VIRGINIA BEACH, VA 234662827 | METROPOLITAN LIFE INSURANCE COMPANY | $422 | $27 | $449 | 3.22% |
| MOUNTAIN STATE EMPLOYEE BENEFITS3 | 103 6TH AVE ST. ALBANS, WV 25177 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $400 | — | $400 | 6.36% |
| TERRY SCOTT MATHIAS3 | 1413 SUMMIT LANE CHARLESTON, WV 25301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $153 | — | $153 | 2.43% |
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 | 86 | 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) | 86 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 81 | $917K |
| Dental | AMERITAS LIFE INSURANCE CORP | 178 | $58K |
| Vision | AMERITAS LIFE INSURANCE CORP | 178 | $58K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 128 | $14K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 128 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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."
No prospect flags tripped on this filing.