| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC. | 6500 ROCK SPRING DR SUITE 401 BETHESDA, MD 20817 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $33K | — | $33K | 2.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | INNOVATION HEALTH | $30K | — | $30K | 2.16% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 61007 VIRGINIA BEACH, VA 23466 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $75K | — | $75K | 12.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN | AGENCY LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF WEST VIRGINIA | $25K | — | $25K | 5.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF WEST VIRGINIA | $35K | — | $35K | 8.00% |
| RICHARD A BURKA3 | 6534 ROOSEVELT AVE CHARLESTON, WV 25304 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $54K | — | $54K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC. | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | AETNA LIFE INSURANCE COMPANY | $6K | $4 | $6K | 1.97% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WV | 340 MACCORKLE AVE SE SUITE 200 CHARLESTON, WV 25314 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26K | $4K | $30K | 14.99% |
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 | 2,364 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 193 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,557 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | HIGHMARK WEST VIRGINIA | 1,301 | $17.5M |
| Dental(2 contracts) | DELTA DENTAL OF WEST VIRGINIA | 1,352 | $935K |
| Vision | VISION SERVICE PLAN | 1,367 | $118K |
| Life insurance(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,344 | $816K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,169 | $359K |
| Prescription drug(5 contracts, 5 carriers) | HIGHMARK WEST VIRGINIA | 1,301 | $17.5M |
| Other | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,344 | $618K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,344 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.