| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF WEST VIRGINIA | 3601 MACCORKLE AVE SE CHARLESTON, WV 25304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $798 | $3K | 19.43% |
| JIM LIVELY INSURANCE3 | 531 JONES AVE OAK HILLS, WV 25901 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $152 | $0 | $152 | 1.04% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF WEST VIRGINIA LLC | 3601 MACCORKLE AVE SE CHARLESTON, WV 25304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $329 | $204 | $533 | 15.04% |
| JIM LIVELY INSURANCE3 | 531 JONES AVE OAK HILL, WV 25901 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $26 | $0 | $26 | 0.73% |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $4K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.