| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL WHITE3 | 340 MACCORKLE AVENUE SE SUITE 200 CHARLESTON, WV 25314 | HIGHMARK BLUE CROSS BLUE SHIELD WV | $28K | — | $28K | 9.76% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WV LLC | 340 MACCORKLE AVE SE STE 200 CHARLESTON, WV 25314 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 5.54% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WV LLC | 340 MACCORKLE AVE SE STE 200 CHARLESTON, WV 25314 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WV LLC | 340 MACCORKLE AVE SE STE 200 CHARLESTON, WV 25314 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.22% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WV LLC | 340 MACCORKLE AVENUE SE SUITE 200 CHARLESTON, WV 25314 | THE GUARDIAN INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 21.97% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 340 MACCORKLE AVENUE SE SUITE 200 CHARLESTON, WV 25314 | THE GUARDIAN INSURANCE COMPANY OF AMERICA | — | $497 | $497 | 4.16% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WV LLC | 340 MACCORKLE AVE SE STE 200 CHARLESTON, WV 25314 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $716 | — | $716 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK WEST VIRGINIA EIN 23-1294723 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $77K |
| THE LINCOLN NATIONAL LIFE INSURANCE EIN 35-0472300 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $7K |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 145 | $12K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 44 | $7K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 183 | $75K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 183 | $88K |
| Stop-loss / reinsurancereinsurance | HIGHMARK BLUE CROSS BLUE SHIELD WV | 265 | $286K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 183 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.