| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFIT SERVICES, INC.3 Filed as: AMERICAN BENEFIT CORPORATION | 3150 US ROUTE 60 ONA, WV 25545 | SYMETRA LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK BLUE CROSS BLUE SHIELD EIN 55-0624615 NONE | Claims processing Service code 12 | 614 MARKET ST PARKERSBURG, WV 26101 | $533K |
| AMERICAN BENEFIT CORPORATION EIN 55-0672859 NONE | Contract Administrator Service code 13 | 3150 US ROUTE 60 ONA, WV 25545 | $250K |
| UNITED ACTUARIAL SERVICES EIN 32-2156428 NONE | Actuarial Service code 11 | 11590 N. MERIDIAN STREET SUITE 610 CARMEL, IN 46032 | $56K |
| ABATO, RUBENSTEIN & ABATO EIN 52-0904713 NONE | Legal Service code 29 | 809 GLENEAGLES COURT SUITE 320 BALTIMORE, MD 21286 | $23K |
| STANDARD VALUATIONS EIN 41-1327339 NONE | Investment advisory (participants) Service code 26 | 790 CLEVELAND AVENUE, SE SUITE 220 ST PAUL, MN 55116 | $16K |
| GRAY, GRIFFITH & MAYS, A.C. EIN 55-0621483 NONE | Accounting (including auditing) Service code 10 | 707 VIRGINIA STREET, EAST CHASE TOWER, SUITE 400 CHARLESTON, WV 25301 | $15K |
| UNITED BANK EIN 55-6100340 NONE | Custodial (securities) Service code 19 | PO BOX 393 CHARLESTON, WV 25322 | $10K |
| CHARTWELL INVESTMENT PARTNERS EIN 36-4776242 NONE | Custodial (securities) Service code 19 | 1235 WESTLAKES DR SUITE 400 BERWYN, PA 19312 | $8K |
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 | 1,031 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 654 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,686 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,098 | $78K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,143 | $90K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 1,098 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,143 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.