| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ASSISTANCE CORPORATION3 | P.O. BOX 950 HURRICANE, WV 25526 | NATIONWIDE INSURANCE COMPANY | $24K | $30K | $53K | 17.31% |
| ADKINS INSURANCE SOLUTIONS LLC3 | 49 DOOLIN DR WILLIAMSTOWN, WV 26187 | NATIONWIDE INSURANCE COMPANY | — | $36K | $36K | 11.73% |
| CIGNA3 | — | NATIONWIDE INSURANCE COMPANY | — | $16K | $16K | 5.21% |
| ADKINS INSURANCE SOLUTIONS LLC3 Filed as: ADKINS INSURANCE SOLUTIONS, LLC | P O BOX 82 PARKERSBURG, WV 26102 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 5.54% |
| ADKINS INSURANCE SOLUTIONS LLC3 | 49 DOOLIN DR WILLIAMSTOWN, WV 26187 | VISION SERVICE PLAN | $2K | — | $2K | 4.19% |
No Schedule C service providers reported on this filing.
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 | 190 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONWIDE INSURANCE COMPANY | 81 | $308K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 190 | $194K |
| Vision | VISION SERVICE PLAN | 150 | $38K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 190 | $194K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 190 | $194K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE INSURANCE COMPANY | 81 | $308K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 190 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.