| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTURION INSURANCE SERVICES LLC3 Filed as: CENTURION INSURANCE SERVICES, LLC | 201 PENNSYLVANIA AVENUE NORTH CHARLESTON, WV 25302 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $17K | $0 | $17K | 0.82% |
| EMERSON REID LLC3 | 630 WESTGERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $4K | $0 | $4K | 0.21% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $20K | $0 | $20K | 6.78% |
| CENTURION INSURANCE SERVICES LLC3 Filed as: CENTURION INSURANCE SERVICES, LLC | 201 PENNSYLVANIA AVENUE NORTH CHARLESTON, WV 25302 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 2.34% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 1.04% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1551 CHARLESTON, WV 25326 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 0.88% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $1K | $6K | 6.44% |
| CENTURION INSURANCE SERVICES LLC3 Filed as: CENTURION INSURANCE SERVICES, LLC | 201 PENNSYLVANIA AVENUE NORTH 3RD FLOOR CHARLESTON, WV 25302 | METROPOLITAN LIFE INSURANCE COMPANY | $823 | $0 | $823 | 0.82% |
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 | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 273 | $2.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 273 | $100K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 273 | $100K |
| Life insurance | STANDARD INSURANCE COMPANY | 186 | $300K |
| Short-term disability | STANDARD INSURANCE COMPANY | 186 | $300K |
| Long-term disability | STANDARD INSURANCE COMPANY | 186 | $300K |
| Prescription drug | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 273 | $2.1M |
| Other | STANDARD INSURANCE COMPANY | 186 | $300K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.