| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARLOW INSURANCE AGENCY INC3 | 20 MACCORKLE AVE SW SOUTH CHARLESTON, WV 25303 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $78K | — | $78K | 3.21% |
| GARLOW INSURANCE AGENCY INC3 Filed as: GARLOW INSURNACE AGENCY INC | P.O.BOX 5052 CHARLESTON, WV 25361 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 7.20% |
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 | 217 | 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) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 334 | $2.4M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 205 | $224K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 205 | $224K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 205 | $224K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 205 | $224K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 205 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.