| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WEST VIRGINIA | D/B/A COMMERCIAL INSURANCE 1002 3RD AVENUE HUNTINGTON, WV 257011506 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $751 | $8K | 12.10% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WEST VIRGINIA | D/B/A COMMERCIAL INSURANCE 1002 3RD AVENUE HUNTINGTON, WV 257011506 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $793 | $4K | 5.97% |
| ADKINS INSURANCE SOLUTIONS LLC3 | 49 DOOLIN DRIVE WILLIAMSTOWN, WV 261879775 | VISION SERVICE PLAN | $773 | — | $773 | 8.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE HEALTH PLAN NONE | Other fees; Claims processing; Other insurance fees and expenses Service code 12 | 1110 MAIN STREET WHEELING, WV 26003 | $186K |
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 | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 393 | $61K |
| Vision | VISION SERVICE PLAN | 60 | $10K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 95 | $62K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 95 | $62K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 95 | $62K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 95 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 393 | — |
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.