| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WHITE, PAUL3 | 340 MACCORKLE AVE SE STE 200 CHARLESTON, WV 25314 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINA | $30K | — | $30K | 1.25% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WV LLC | 340 MACCORKLE AVE SE STE 200 CHARLESTON, WV 25314 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.27% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WV LLC | 340 MACCORKLE AVE SE STE 200 CHARLESTON, WV 25314 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 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 | 5.57% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WV | 340 MACCORKLE AVE ST SUITE 200 CHARLESTON, WV 25314 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $285 | $3K | 24.94% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WV LLC | 340 MACCORKLE AVE SE STE 200 CHARLESTON, WV 25314 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $974 | — | $974 | 10.00% |
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 | 208 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINA | 245 | $2.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $10K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 75 | $10K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 206 | $73K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 206 | $91K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 206 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.