| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL WHITE3 | 340 MACCORCKLE AVE SE CHARLESTON, WV 25314 | HIGHMARK WEST VIRGINIA | $97K | — | $97K | 2.10% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WV LLC | 340 MACCORCKLE AVE SE CHARLESTON, WV 25314 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $3K | $13K | 6.27% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WV LLC | 340 MACCORCKLE AVE SE CHARLESTON, WV 25314 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.91% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WV LLC | 340 MACCORCKLE AVE SE CHARLESTON, WV 25314 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 7.98% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WV LLC | 340 MACCORCKLE AVE SE CHARLESTON, WV 25314 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.60% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WV LLC | 340 MACCORCKLE AVE SE CHARLESTON, WV 25314 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| PAUL WHITE3 | 340 MACCORCKLE AVE SE CHARLESTON, WV 25314 | HIGHMARK WEST VIRGINIA | $3 | — | $3 | 3.90% |
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 | 412 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK WEST VIRGINIA | 615 | $4.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 547 | $206K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 547 | $206K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 412 | $36K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 412 | $36K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 412 | $61K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 412 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 615 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
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.