| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | UNKNOWN POINT PLEASANT, WV 25550 | DELTA DENTAL OF WEST VIRGINIA | $1K | $0 | $1K | 0.62% |
| USI INSURANCE SERVICES LLC3 | 1 HILLCREST DRIVE EAST CHARLESTON, WV 25311 | VISION SERVICE PLAN | $2K | $0 | $2K | 1.92% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARNTERS OF WEST VIRGINIA | PO BOX 10 POINT PLEASANT, WV 25550 | VISION SERVICE PLAN | $667 | $0 | $667 | 0.67% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 5.26% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WEST VIRGINIA | PO BOX 10 ONA, WV 25545 | SUN LIFE ASSURANCE COMPANY OF CANADA | $403 | $0 | $403 | 0.66% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE, SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 14.67% |
| VILLAGE INSURANCE, INC.3 | 1825 JEFFERSON BOULEVARD POINT PLEASANT, WV 25550 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$1K | $0 | -$1K | -1.85% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNER OF WEST VIRGINA LLC | 1 UNSURANCE WAY ONA, WV 25545 | AFLAC | $3K | $0 | $3K | 5.83% |
| RONAL G. LYNCH3 Filed as: RONAL LYNCH AND OTHER AGENTS | PO BOX 763 GALLIPOLIS, OH 45631 | AFLAC | $3K | $0 | $3K | 5.45% |
| CHRISTOPHER SMITH3 | 19 OLD CROW DRIVE BARBOURSVILLE, WV 25504 | AFLAC | $1K | $0 | $1K | 2.06% |
| ZACHARY DUNHAM3 | 320 9TH STREET, SUITE 200 HUNTINGTON, WV 25701 | AFLAC | $971 | $0 | $971 | 1.90% |
| TAMARA BURCH3 | 817 SCOTT DEPOT ROAD SCOTT DEPOT, WV 25560 | AFLAC | $918 | $0 | $918 | 1.79% |
| DIANE LYNCH3 | 894 PEARL STREET MIDDLEPORT, OH 45760 | AFLAC | $861 | $0 | $861 | 1.68% |
| BRANDON L MILLER3 Filed as: BRANDON MILLER | 320 9TH STREET, SUITE 200 HUNTINGTON, WV 25701 | AFLAC | $819 | $0 | $819 | 1.60% |
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 | 448 | 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) | 448 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WEST VIRGINIA | 1,103 | $181K |
| Vision | VISION SERVICE PLAN | 258 | $100K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 448 | $59K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 455 | $61K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 448 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,103 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.