| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF WEST VIRGINIA LLC | 3601 MACCORKLE AVENUE SE CHARLESTON, WV 25304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $9K | $30K | 17.37% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF WEST VIRGINIA LLC | 3601 MACCORKLE AVENUE SE CHARLESTON, WV 25304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $9K | $29K | 17.26% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF WEST VIRGINIA LLC | 3601 MACCORKLE AVENUE SE CHARLESTON, WV 25304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $7K | $27K | 16.38% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF WEST VIRGINIA LLC | 3601 MACCORKLE AVENUE SE CHARLESTON, WV 25304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $7K | $23K | 16.80% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF WEST VIRGINIA LLC | 3601 MACCORKLE AVENUE SE CHARLESTON, WV 25304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $52 | — | $52 | 0.12% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF WEST VIRGINIA LLC | 3601 MACCORKLE AVENUE SE CHARLESTON, WV 25304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFITS ASSISTANCE COMPANY EIN 55-0715869 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $287K |
| CIGNA HEALTH NETWORK EIN 59-1031071 | Claims processing Service code 12 | — | $166K |
| THE HILB GROUP OF WEST VIRGINIA LLC EIN 55-0674022 BROKER | Other insurance fees and expenses Service code 73 | 3601 MACCORKLE AVENUE SE CHARLESTON, WV 25304 | $50K |
| MEDWATCH LLC EIN 59-2884658 UTILIZATION REVIEW | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $16K |
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 | 969 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 982 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 953 | $340K |
| Short-term disability(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 250 | $233K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 951 | $138K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 655 | $675K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 953 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 953 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.