| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMMERCIAL INSURANCE SERVICE'S3 Filed as: COMMERCIAL INSURANCE SERVICE | 340 MACCORKLE AVE CHARLESTON, WV 25314 | HIGHMARK WEST VIRGINIA INC. DBA HIGHMARK BLUE CROSS BLUE SHIELD | $20K | — | $20K | 7.30% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WV LLC | 340 MACCORKLE AVENUE SE SUITE 200 CHARLESTON, WV 25314 | THE GUARDIAN INSURANCE COMPANY OF AMERICA | $21K | $3K | $24K | 9.56% |
| WILLIAM J SEIBER | 5098 WASHINGTON STREET, WEST SUITE 410 CROSS LANES, WV 25313 | THE GUARDIAN INSURANCE COMPANY OF AMERICA | $3 | — | $3 | 0.00% |
| JAMES D LESTER | 245 SOUTH HIGH ST. MORGANTOWN, WV 26505 | THE GUARDIAN INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK WEST VIRGINIA EIN 23-1294723 | Claims processing Service code 12 | 340 MACCORKLE AVE SE STE CHARLESTON, WV 25314 | $128K |
| HEALTH PLAN OF UPPER OHIO VALLEY IN EIN 55-0585592 | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 52160 NATIONAL ROAD, EAST ST. CLAIRSVILLE, OH 43950 | $6K |
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 | 235 | 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) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 235 | $250K |
| Life insurance | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 235 | $250K |
| Short-term disability | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 235 | $250K |
| Long-term disability | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 235 | $250K |
| Stop-loss / reinsurancereinsurance | HIGHMARK WEST VIRGINIA INC. DBA HIGHMARK BLUE CROSS BLUE SHIELD | 372 | $268K |
| Other | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 235 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 372 | — |
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.