| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT BOOTH3 | 33 WOODHAVEN DRIVE HUNTINGTON, WV 25701 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $94K | — | $94K | 3.33% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 100 PINEWOOD LANE, SUITE 301 WARRENDALE, PA 15086 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $27 | — | $27 | 0.00% |
| ALLMAN INSURANCE SERVICES, INC.3 Filed as: ALLMAN INSURANCE SERVICES INC | PO BOX 662 INSTITUTE, WV 25112 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $0 | $16K | 7.19% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $514 | $514 | 0.24% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN HUNTINGTON, WV 25703 | HM LIFE INSURANCE COMPANY | $678 | — | $678 | 3.00% |
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 | 294 | 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) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 357 | $2.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 700 | $216K |
| Vision | HM LIFE INSURANCE COMPANY | 428 | $23K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 700 | $216K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 700 | $216K |
| Prescription drug | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 357 | $2.8M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 700 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 700 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.