| 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 | $112K | $0 | $112K | 3.22% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF WV | 3601 MACCORKLE AVE SE CHARLESTON, WV 25304 | PRINCIPAL LIFE INSURANCE COMPANY | $78K | $15K | $93K | 16.35% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OPERATING COMPANY | 6802 PARAGON PL SUITE 200 SUITE 320 RICHMOND, VA 23230 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.48% |
| PLAN BENEFIT SERVICES INC3 Filed as: PLAN BENEFIT SERVICES | P.O. BOX 2307 IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $230 | $0 | $230 | 2.34% |
| ANGELA F CLARK3 Filed as: ANGELA CLARK | P.O. BOX 727 BLYTHEWOOD, SC 29016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $192 | $0 | $192 | 1.95% |
| PATRICIA L CARON3 Filed as: PATRICIA CARON | 7 AVENIDA VISTA GRANDE SANTE FE, NM 87508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $0 | $96 | 0.98% |
| INSYNC BENEFITS INC3 Filed as: INSYNC BENEFITS | P.O. BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | $0 | $89 | 0.91% |
| CITY INSURANCE PROFESSIONALS3 | P.O. BOX 1126 CHARLESTON, WV 25324 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | $0 | $88 | 0.90% |
| SUSAN FONTENOT3 | 10717 DAPPLE GREY LANE CHARLOTTE, NC 28213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | $0 | $59 | 0.60% |
| KJELL T TERRELL3 Filed as: KJELL TERRELL | 327 GOLF COURSE DRIVE RALEIGH, NC 27610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $0 | $53 | 0.54% |
| KEVIN RAY JOHNSTON3 | 1506 BRUNSWICK COURT MORGANTOWN, WV 26508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $0 | $40 | 0.41% |
| ALAN ROSENBERGER3 | 13 PHAROAH'S RUN ROAD RIVESVILLE, WV 26588 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $0 | $28 | 0.28% |
| CBF BENEFITS INC3 Filed as: CBF BENEFITS | 206 WEST NORTH AVE PITTSBURG, PA 15212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.18% |
| JAMES DANIEL MARTINETTE3 | 2001 DECATUR AVENUE WHEELING, WV 26003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.03% |
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 | 431 | 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) | 431 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 404 | $3.5M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 908 | $572K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 908 | $572K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 908 | $572K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 908 | $572K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 908 | $572K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 9 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 908 | — |
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.
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.