| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF WEST VIRGINIA | 3601 MACCORKLE AVE, SE CHARLESTON, WV 25304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $6K | $15K | 20.06% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF WEST VIRGINIA | 3601 MACCORKLE AVE, SE CHARLESTON, WV 25304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $6K | $17K | 22.89% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF WEST VIRGINIA | 3601 MACCORKLE AVE, SE CHARLESTON, WV 25304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $5K | $14K | 23.43% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF WEST VIRGINIA | 3601 MACCORKLE AVE, SE CHARLESTON, WV 25304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $4K | $11K | 20.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT ASST. CORP. EIN 55-0715869 CONTRACT ADMIN | Contract Administrator Service code 13 | — | $297K |
| THE HILB GROUP EIN 55-0674022 BROKER | Other insurance fees and expenses Service code 73 | — | $49K |
| MEDWATCH LLC EIN 59-2884658 UTILIZATION REVIEW | Other services; Other insurance fees and expenses Service code 49 | — | $15K |
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 | 911 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 911 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 916 | $152K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 193 | $55K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 826 | $61K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 660 | $477K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 916 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 916 | — |
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.