| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WEST VIRGINIA | D/B/A COMMERCIAL INSURANCE 340 MACCORKLE AVE SE STE 200 CHARLESTON, WV 253141100 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $17 | $3K | 4.42% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WEST VIRGINIA | D/B/A COMMERCIAL INSURANCE 340 MACCORKLE AVENUE SE SUITE 200 CHARLESTON, WV 253141100 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $17 | $7K | 11.60% |
| ADKINS INSURANCE SOLUTIONS LLC3 Filed as: ADKINS INSURANCE SOLUTIONS | 49 DOOLIN DR WILLIAMSTOWN, WV 261879775 | VISION SERVICE PLAN | $552 | — | $552 | 6.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE HEALTH PLAN NONE | Claims processing; Other fees; Other insurance fees and expenses Service code 12 | 1110 MAIN STREET WHEELING, WV 26003 | $192K |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 434 | $63K |
| Vision | VISION SERVICE PLAN | 50 | $8K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 98 | $63K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 98 | $63K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 98 | $63K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 98 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 434 | — |
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.