| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $604 | $14K | $15K | 1.03% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $313K | — | $313K | 23.39% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $310K | — | $310K | 23.14% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $51K | — | $51K | 4.14% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $71K | — | $71K | 7.35% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 0.70% |
| ST. MARY'S MEDICAL CENTER BENEFITS5 | 2900 1ST AVENUE HUNTINGTON, WV 25702 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 0.58% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WV LLC | ONE INSURANCE WAY PO BOX 10 ONA, WV 25545 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $69 | — | $69 | 1.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK BLUE CROSS BLUE SHIELD WV EIN 55-0624615 ADMINISTRATOR | Contract Administrator Service code 13 | — | $1.4M |
| THE PRUDENTIAL INSURANCE COMPANY EIN 22-1211670 ADMINISTRATOR | Contract Administrator Service code 13 | — | $105K |
| MEDIMPACT HEALTHCARE SYSTEMS, INC. EIN 33-0567651 ADMINISTRATOR | Contract Administrator Service code 13 | — | $82K |
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 | 2,392 | 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) | 2,392 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 5,399 | $1.5M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 5,399 | $1.5M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,957 | $964K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 3,720 | $1.3M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,957 | $964K |
| Stop-loss / reinsurancereinsurance | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 2,677 | $1.2M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 3,957 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,399 | — |
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.