| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF WV | 3601 MACCORKLE AVE CHARLESTON, WV 25304 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $32K | $0 | $32K | 3.38% |
| JAMES MEYERS3 | 3601 MACCORKLE AVE SE CHARLESTON, WV 25304 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $3K | $0 | $3K | 0.30% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF WV | 3601 MACCORKLE AVE SE CHARLESTON, WV 25304 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $0 | $15K | 15.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF WV | 3601 MACCORKLE AVE CHARLESTON, WV 25304 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 15.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF WV | 3601 MACCORKLE AVE SE CHARLESTON, WV 25304 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 13.51% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF WV | 3601 MACCORKLE AVE SE CHARLESTON, WV 25304 | HM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| PLAN BENEFIT SERVICES INC3 Filed as: PLAN BENEFIT SERVICES | P.O. BOX 2307 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $353 | $0 | $353 | 2.22% |
| KJELL T TERRELL3 Filed as: KJELL TERRELL | 327 GOLF COURSE DRIVE RALEIGH, NC 27610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $303 | $40 | $343 | 2.16% |
| ANGELA F CLARK3 Filed as: ANGELA CLARK | P.O. BOX 727 BLYTHEWOOD, SC 29016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $325 | $0 | $325 | 2.04% |
| PATRICIA L CARON3 Filed as: PATRICIA CARON | 190 TESUQUE VILLAGE ROAD SANTE FE, NM 87506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $202 | $17 | $219 | 1.38% |
| INSYNC BENEFITS INC3 Filed as: INSYNC BENEFITS | P.O. BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $191 | $24 | $215 | 1.35% |
| CITY INSURANCE PROFESSIONALS3 | P.O. BOX 1126 CHARLESTON, WV 25324 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $150 | $0 | $150 | 0.94% |
| SUSAN FONTENOT3 | 10717 DAPPLE GREY LANE CHARLOTTE, NC 28213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | $0 | $95 | 0.60% |
| CBF BENEFITS INC3 Filed as: CBF BENEFITS | 206 WEST NORTH AVE PITTSBURG, PA 15212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 0.14% |
| KEVIN RAY JOHNSTON3 | 1506 BRUNSWICK COURT MORGANTOWN, WV 26508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $8 | $21 | 0.13% |
| BENEFITS COUNT INC3 Filed as: BENEFITS COUNT II INC | 248 RIVERWOOD DRIVE LEWISVILLE, NC 27023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $3 | $7 | 0.04% |
| JAMES DANIEL MARTINETTE3 | 2001 DECATUR AVENUE WHEELING, WV 26003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.03% |
| GRAEM M CLARK3 Filed as: GRAEM CLARK | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $2 | $3 | 0.02% |
| ADVANCED BENEFIT SYSTEM INC3 | 1301 GERVAIS STREET COLUMBIA, SC 29201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.01% |
| JAYNE AUSTIN3 | P.O. BOX 704 LEWISBURG, WV 24901 | AFLAC | $110 | $0 | $110 | 8.56% |
| DEETTE BRANDHORST3 | 308 ORCHARD WOOD DRIVE BECKLEY, WV 25801 | AFLAC | $30 | $0 | $30 | 2.33% |
| TANDRA FAYE FREED3 Filed as: TANDRA FREED | 719 LAWMAN AVE BRIDGEPORT, WA 26330 | AFLAC | $17 | $0 | $17 | 1.32% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE KIMBROUGH | P.O. BOX 273488 BOCA RATON, FL 33427 | AFLAC | $8 | $0 | $8 | 0.62% |
| RODNEY BALLANCE JR3 | 1235 GARRETT ROAD WILLIAMSTON, NC 27892 | AFLAC | $1 | $0 | $1 | 0.08% |
| JAYNE AUSTIN3 Filed as: JAYNE CHERIE AUSTIN | 205 RUFFNER DRIVE LEWISBURG, WV 24901 | VISION SERVICE PLAN | $100 | $0 | $100 | 9.98% |
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 | 229 | 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) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 126 | $934K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 96 | $79K |
| Vision(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 97 | $19K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 212 | $37K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 229 | $97K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 229 | $48K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 29 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.