| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF WEST VIRGINIA, LL | 3601 MACCORKLE AVENUE SOUTHEAST CHARLESTON, WV 25304 | HCC LIFE INSURANCE COMPANY | $43K | — | $43K | 12.58% |
| TAWNEY INSURANCE & CONSULTING LLC3 Filed as: TAWNEY INSURANCE & CONSULTING | 122 LAMPLIGHTER DRIVE LEWISBURG, WV 24901 | HCC LIFE INSURANCE COMPANY | $17K | — | $17K | 5.07% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF WEST VIRGINIA LLC | 3601 MACCORKLE AVENUE SOUTHEAST CHARLESTON, WV 25304 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $529 | $2K | 3.34% |
| KRISTOPHER S TAWNEY3 | 28 HANNAH LANE MORGANTOWN, WV 26505 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.90% |
| CENTURION INSURANCE SERVICES LLC3 Filed as: CENTURION INSURANCE SERVICES L | 201 PENNSYLVANIA AVENUE NORTH CHARLESTON, WV 25302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.12% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF WEST VIRGINIA LLC DBA | 3601 MACCORKLE AVENUE SOUTHEAST CHARLESTON, WV 25324 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.47% |
| TAWNEY INSURANCE & CONSULTING LLC3 | 122 LAMPLIGHTER DRIVE LEWISBURG, WV 24901 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 3.71% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF WEST VIRGINIA LLC DBA | 3601 MACCORKLE AVENUE SOUTHEAST CHARLESTON, WV 25324 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 13.31% |
| CENTURION INSURANCE SERVICES LLC3 | 201 PENNSYLVANIA AVENUE NORTH CHARLESTON, WV 25302 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 19.84% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF WEST VIRGINIA LLC DBA | 3601 MACCORKLE AVENUE SOUTHEAST CHARLESTON, WV 25324 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $362 | — | $362 | 9.25% |
| TAWNEY INSURANCE & CONSULTING LLC3 Filed as: TAWNEY INSURANCE & CONSULTING LCC | 122 LAMPLIGHTER DRIVE LEWISBURG, WV 24901 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $225 | — | $225 | 5.75% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF WEST VIRGINIA LLC DBA | 3601 MACCORKLE AVENUE SOUTHEAST CHARLESTON, WV 25324 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $344 | — | $344 | 9.59% |
| TAWNEY INSURANCE & CONSULTING LLC3 | 122 LAMPLIGHTER DRIVE LEWISBURG, WV 24901 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $194 | — | $194 | 5.41% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $71K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $71K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 147 | $32K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 22 | $22K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $43K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 98 | $341K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 147 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.