| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $29K | $0 | $29K | 2.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH AND MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF WEST VIRGINIA | $59K | $0 | $59K | 5.22% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $117K | $0 | $117K | 12.50% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $8K | $8K | 0.84% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $55K | $0 | $55K | 8.79% |
| PAMELA L BURKA3 | 6534 ROOSEVELT AVE CHARLESTON, WV 25314 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $39K | $0 | $39K | 6.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH AND MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF WEST VIRGINIA | $21K | $0 | $21K | 4.85% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF WEST VIRGINIA | $15K | $0 | $15K | 3.50% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WEST VIRGINIA | 340 MACCORKLE AVE SE SUITE 200 CHARLESTON, WV 25314 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $49K | $0 | $49K | 13.00% |
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 | 2,975 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 180 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HIGHMARK BLUE CROSS BLUE SHIELD OF WEST VIRGINIA | 676 | $29.6M |
| Dental(2 contracts) | DELTA DENTAL OF WEST VIRGINIA | 1,388 | $1.6M |
| Vision | VISION SERVICE PLAN | 2,254 | $252K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,963 | $1.3M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,963 | $627K |
| Prescription drug(3 contracts, 2 carriers) | HIGHMARK BLUE CROSS BLUE SHIELD OF WEST VIRGINIA | 676 | $29.6M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,963 | $937K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,963 | — |
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.