| 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 | $60K | $0 | $60K | 3.62% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF WV | 3601 MACCORKLE AVE SE CHARLESTON, WV 25304 | PRINCIPAL LIFE INSURANCE COMPANY | $23K | $1K | $24K | 14.61% |
| PLAN BENEFIT SERVICES INC3 Filed as: PLAN BENEFIT SERVICES | P.O. BOX 2307 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $234 | $0 | $234 | 3.75% |
| ANGELA F CLARK3 Filed as: ANGELA CLARK | P.O. BOX 727 BLYTHEWOOD, SC 29016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $211 | $0 | $211 | 3.38% |
| CITY INSURANCE PROFESSIONALS3 | P.O. BOX 1126 CHARLESTON, WV 25324 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $152 | $0 | $152 | 2.43% |
| PATRICIA L CARON3 Filed as: PATRICIA CARON | 190 TESUQUE VILLAGE ROAD SANTE FE, NM 87506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102 | $0 | $102 | 1.63% |
| INSYNC BENEFITS INC3 Filed as: INSYNC BENEFITS | P.O. BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | $0 | $97 | 1.55% |
| KJELL T TERRELL3 Filed as: KJELL TERRELL | 327 GOLF COURSE DRIVE RALEIGH, NC 27610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | $0 | $64 | 1.02% |
| SUSAN FONTENOT3 | 10717 DAPPLE GREY LANE CHARLOTTE, NC 28213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | $0 | $59 | 0.94% |
| KEVIN RAY JOHNSTON3 | 1506 BRUNSWICK COURT MORGANTOWN, WV 26508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $0 | $33 | 0.53% |
| ALAN ROSENBERGER3 | 13 PHAROAH'S RUN ROAD RIVESVILLE, WV 26588 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 0.37% |
| CBF BENEFITS INC3 Filed as: CBF BENEFITS | 206 WEST NORTH AVE PITTSBURG, PA 15212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 0.24% |
| JAMES DANIEL MARTINETTE3 | 2001 DECATUR AVENUE WHEELING, WV 26003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.06% |
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 | 278 | 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) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 241 | $1.7M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 278 | $166K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 278 | $166K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 278 | $166K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 18 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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.