| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CITY INSURANCE PROFESSIONALS3 | 3601 MACCORKLE AVENUE SE CHARLESTON, WV 25304 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $28K | $391 | $29K | 18.21% |
| CITY INSURANCE PROFESSIONALS3 | 3601 MACCORKLE AVENUE SOUTHEAST CHARLESTON, WV 25304 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $17K | $282 | $17K | 15.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT ASST. CORP. EIN 55-0715869 CONTRACT ADMIN | Contract Administrator Service code 13 | — | $184K |
| 4 MOST 4 DENTAL NETWORK EIN 31-1538612 NONE | Other services Service code 49 | — | $43K |
| MEDWATCH LLC EIN 59-2884658 UTILIZATION REVIEW | Other services; Other insurance fees and expenses Service code 49 | — | $18K |
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 | 540 | 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) | 540 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 864 | $157K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 855 | $113K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 540 | $295K |
| Other | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 864 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 864 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.