| 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 | $40K | $0 | $40K | 3.67% |
| 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 | $16K | $0 | $16K | 15.00% |
| CITY INSURANCE PROFESSIONALS3 | P.O. BOX 1126 CHARLESTON, WA 25304 | UNITED CONCORDIA INSURANCE COMPANY | $17K | $0 | $17K | 17.76% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF WV | 3601 MACCORKLE AVE CHARLESTON, WV 25304 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 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 | 13.43% |
| 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 | $328 | $0 | $328 | 2.18% |
| ANGELA F CLARK3 Filed as: ANGELA CLARK | P.O. BOX 727 BLYTHEWOOD, SC 29016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $314 | $0 | $314 | 2.09% |
| KJELL T TERRELL3 Filed as: KJELL TERRELL | 327 GOLF COURSE DRIVE RALEIGH, NC 27610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $215 | $31 | $246 | 1.64% |
| PATRICIA L CARON3 Filed as: PATRICIA CARON | 190 TESUQUE VILLAGE ROAD SANTE FE, NM 87506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $181 | $14 | $195 | 1.30% |
| INSYNC BENEFITS INC3 Filed as: INSYNC BENEFITS | P.O. BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $157 | $7 | $164 | 1.09% |
| CITY INSURANCE PROFESSIONALS3 | P.O. BOX 1126 CHARLESTON, WV 25324 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $145 | $0 | $145 | 0.97% |
| SUSAN FONTENOT3 | 10717 DAPPLE GREY LANE CHARLOTTE, NC 28213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | $0 | $82 | 0.55% |
| CBF BENEFITS INC3 Filed as: CBF BENEFITS | 206 WEST NORTH AVE PITTSBURG, PA 15212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 0.16% |
| KEVIN RAY JOHNSTON3 | 1506 BRUNSWICK COURT MORGANTOWN, WV 26508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $3 | $17 | 0.11% |
| BENEFITS COUNT INC3 Filed as: BENEFITS COUNT II INC | 248 RIVERWOOD DRIVE LEWISVILLE, NC 27023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $7 | $17 | 0.11% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $3 | $7 | 0.05% |
| 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 | $2 | $3 | 0.02% |
| JAYNE AUSTIN3 | P.O. BOX 704 LEWISBURG, WV 24901 | AFLAC | $95 | $0 | $95 | 9.00% |
| DEETTE BRANDHORST3 | 308 ORCHARD WOOD DRIVE BECKLEY, WV 25801 | AFLAC | $24 | $0 | $24 | 2.27% |
| TANDRA FAYE FREED3 Filed as: TANDRA FREED | 719 LAWMAN AVE BRIDGEPORT, WA 26330 | AFLAC | $16 | $0 | $16 | 1.52% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE KIMBROUGH | P.O. BOX 273488 BOCA RATON, FL 33427 | AFLAC | $7 | $0 | $7 | 0.66% |
| BRANDY ANN HARTIN3 Filed as: BRANDY ANNE HARTIN | 500 KNIGHTS RUN AVE UNIT 1801 TAMPA, FL 33602 | AFLAC | $1 | $0 | $1 | 0.09% |
| JAYNE AUSTIN3 Filed as: JAYNE CHERIE AUSTIN | 205 RUFFNER DRIVE LEWISBURG, WV 24901 | VISION SERVICE PLAN | $93 | $0 | $93 | 10.04% |
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 | 227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 145 | $1.1M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 116 | $95K |
| Vision(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 117 | $20K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 229 | $41K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 227 | $108K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 226 | $56K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 24 | $16K |
| 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.