| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGHMARK WEST VIRGINIA INC3 | PO BOX 1948 PARKERSBURG, WV 26102 | HIGHMARK BLUE CROSS BLUE SHIELD | $333K | — | $333K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CW BREITSMAN ASSOCIATES EIN 26-0664784 RECORDKEEPER | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 401 LIBERTY AVE, STE 1625 PITTSBURGH, PA 15222 | $24K |
| WESBANCO BANK INVESTMENT MANAGER | Investment management Service code 28 | 1 BANK PLAZA WHEELING, WV 26003 | $23K |
| A & M HOLDING CO RENT/OCCUPANCY | Other fees Service code 99 | PO BOX 740, 69100 BAYBERRY DRIVE ST CLAIRSVILLE, OH 43950 | $20K |
| KOZICKI HUGHES TICKERHOOF PLLC EIN 55-0526247 AUDITOR | Accounting (including auditing) Service code 10 | 32-20TH STREET, SUITE 300 WHEELING, WV 26003 | $20K |
| MACALA & PIATT LLC EIN 34-1933033 PLAN ATTORNEY | Legal Service code 29 | 601 SOUTH MAIN STREET NORTH CANTON, OH 44720 | $16K |
| BENEFIT INTEGRATED STRATEGIES STRATEGIC BUSINESS PLANNI | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 103 SHADY ROAD LIGONIER, PA 15658 | $14K |
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 | 368 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE CROSS BLUE SHIELD | 385 | $0 |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 345 | $12K |
| Prescription drug | HIGHMARK BLUE CROSS BLUE SHIELD | 385 | $0 |
| Stop-loss / reinsurancereinsurance | HIGHMARK BLUE CROSS BLUE SHIELD | 385 | $0 |
| Other | HARTFORD LIFE AND ACCIDENT | 335 | $953 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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.
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.