| 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 | $156K | $0 | $156K | 3.25% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF WV | 3601 MACCORKLE AVE SE CHARLESTON, WV 25304 | PRINCIPAL LIFE INSURANCE COMPANY | $116K | $15K | $131K | 15.94% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS GENERA | 2000 CHAPEL VIEW BLVD SUITE 240 CRANSTON, RI 02920 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $33K | $33K | 4.02% |
| 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 | $4K | $4K | 0.49% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SC | PO BOX 2307 IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $148 | $0 | $148 | 4.51% |
| ANGELA F CLARK3 Filed as: ANGELA CLARK | P.O. BOX 727 BLYTHEWOOD, SC 29016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | $0 | $97 | 2.96% |
| PATRICIA L CARON3 Filed as: PATRICIA CARON | 7 AVENIDA VISTA GRANDE SANTE FE, NM 87508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $0 | $52 | 1.59% |
| INSYNC BENEFITS INC3 Filed as: INSYNC BENEFITS | P.O. BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $0 | $46 | 1.40% |
| KEVIN RAY JOHNSTON3 | 1506 BRUNSWICK COURT MORGANTOWN, WV 26508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $0 | $34 | 1.04% |
| SUSAN FONTENOT3 | 10717 DAPPLE GREY LANE CHARLOTTE, NC 28213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $0 | $33 | 1.01% |
| KJELL T TERRELL3 Filed as: KJELL TERRELL | 327 GOLF COURSE DRIVE RALEIGH, NC 27610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $0 | $31 | 0.95% |
| ALAN ROSENBERGER3 | 13 PHAROAH'S RUN ROAD RIVESVILLE, WV 26588 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 0.73% |
| CBF BENEFITS INC3 | 1309 HIDDEN HARBOR ROAD MYRTLE BEACH, SC 29577 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.27% |
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 | 477 | 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) | 477 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 508 | $4.8M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 1,068 | $822K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 1,068 | $822K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,068 | $822K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,068 | $822K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,068 | $822K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,068 | $825K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,068 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.