| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | ONE HILLCREST DRIVE EAST CHARLESTON, WV 25311 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 5.05% |
| USI INSURANCE SERVICES LLC3 | PO BOX 3727 NORFOLK, VA 23514 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $646 | $6K | 6.35% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1273 ELKINS, WV 262411273 | RELIASTAR LIFE INSURANCE COMPANY | $4K | — | $4K | 8.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK WEST VIRGINIA EIN 55-0624615 TPA | Contract Administrator Service code 13 | 614 MARKET STREET PARKERSBURG, WV 26102 | $371K |
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 | 682 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 682 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 568 | $262K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 568 | $262K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 794 | $46K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 147 | $87K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 794 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 794 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.