| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL S BAKER3 | UNKNOWN CHARLESTON, WV 25325 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $63K | $0 | $63K | 3.29% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | UNKNOWN CHARLESTON, WV 25325 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $7K | $0 | $7K | 0.38% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $10K | $33K | 14.34% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $21K | $21K | 8.97% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $1K | $7K | 8.01% |
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 | 188 | 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) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 249 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 253 | $82K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 253 | $82K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 188 | $233K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 188 | $233K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 188 | $233K |
| Prescription drug | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 249 | $1.9M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 188 | $233K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.