| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT F GROOM3 Filed as: ROBERT F. GROOM II | 601 TENNESSEE AVE CHARLESTON, WV 25302 | HIGHMARK WEST VIRGINIA | $40K | — | $40K | 1.90% |
| BB&T INSURANCE SERVICES, INC.3 | 601 TENNESSEE AVE CHARLESTON, WV 25302 | HIGHMARK WEST VIRGINIA | $28K | — | $28K | 1.32% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVENUE RALEIGH, NC 28612 | UNITED CONCORDIA COMPANIES, INC. | $3K | — | $3K | 3.58% |
| BB&T INSURANCE SERVICES, INC.3 | 601 TENNESSEE AVE CHARLESTON, WV 25302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| BB&T INSURANCE SERVICES, INC.3 | 601 TENNESSEE AVE CHARLESTON, WV 25302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 8.41% |
| BB&T INSURANCE SERVICES, INC.3 | 601 TENNESSEE AVE CHARLESTON, WV 25302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.21% |
| BB&T INSURANCE SERVICES, INC.3 | 601 TENNESSEE AVE CHARLESTON, WV 25302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.43% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK WEST VIRGINIA | 244 | $2.1M |
| Dental | UNITED CONCORDIA COMPANIES, INC. | 314 | $92K |
| Vision | HIGHMARK WEST VIRGINIA | 244 | $2.1M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 149 | $87K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 152 | $29K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 149 | $53K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 149 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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."
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.