| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NICOLE MYERS3 | 48 DONLEY STREET, SUITE 703 MORGANTOWN, WV 26501 | HIGHMARK WEST VIRGINIA | $22K | $0 | $22K | 2.01% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF WV | 3601 MACCORKLE AVE SE CHARLESTON, WV 25304 | HIGHMARK WEST VIRGINIA | $6K | $0 | $6K | 0.58% |
| FLACK FINANCIAL GROUP INC3 | 2840 LIGONIER STREET LATROBE, PA 15650 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 11.54% |
| MVB INSURANCE, LLC3 Filed as: MVB INSURANCE LLC | 48 DONLEY STREET STE 703 MORGANTOWN, WV 26501 | COMPANION LIFE INSURANCE | $2K | $0 | $2K | 6.75% |
| USI INSURANCE SERVICES LLC3 | 148 DONLEY STREET MORGANTOWN, WV 26501 | COMPANION LIFE INSURANCE | $403 | $0 | $403 | 1.54% |
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 | 205 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK WEST VIRGINIA | 81 | $1.1M |
| Life insurance | COMPANION LIFE INSURANCE | 81 | $26K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 205 | $32K |
| Prescription drug | HIGHMARK WEST VIRGINIA | 73 | $1.1M |
| Other | COMPANION LIFE INSURANCE | 81 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.