| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $29K | $29K | 3.04% |
| WESBANCO INS SERVICES INC3 Filed as: WESBANCO INS SVCS INC | PO BOX 756 MORGANTOWN, WV 265070756 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.93% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 194222240 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $509 | $2K | 5.62% |
| WESBANCO INSURANCE SERVICES INC3 | 2100 NATIONAL ROAD WHEELING, WV 26062 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.00% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $34 | $34 | 0.22% |
| WESBANCO INSURANCE SERVICES INC3 | 2100 NATIONAL ROAD WHEELING, WV 26003 | EYEMED VISION CARE | $876 | — | $876 | 9.38% |
| WESBANCO INSURANCE SERVICES INC3 | 2100 NATIONAL ROAD WHEELING, WV 26062 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $174 | — | $174 | 10.03% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $4 | $4 | 0.23% |
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 | 180 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 125 | $940K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 165 | $32K |
| Vision | EYEMED VISION CARE | 127 | $9K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 180 | $15K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 180 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.
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.