| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 400 HIGHWAY 469 SOUTH, 8TH FLOOR SAINT LOUIS PARK, MN 55426 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $142K | $0 | $142K | 3.03% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $57 | $8K | 9.07% |
| USI INSURANCE SERVICES LLC3 | 1018 WEST 9TH AVENUE SUITE 100 KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.56% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $60 | $7K | 14.06% |
| USI INSURANCE SERVICES LLC3 | 1018 WEST 9TH AVENUE SUITE 100 KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $768 | $768 | 1.64% |
| CHARLES HUGH MACKAY3 Filed as: CHARLES HUGH MACKAY AND VRS AGENTS | 18250 142ND AVENUE NE WOODINVILLE, WA 98072 | AFLAC | $3K | $0 | $3K | 8.59% |
| CRYSTAL L MARTIN3 | 58 WATERSIDE DRIVE MORGANTOWN, WV 26508 | AFLAC | $1K | $78 | $1K | 3.75% |
| USI INSURANCE SERVICES LLC3 | 190 RIVER ROAD, SUITE 101 SUMMIT, NJ 07901 | AFLAC | $947 | $0 | $947 | 2.94% |
| THOMAS J. MCCORD3 Filed as: THOMAS J MCCORD | 10 SCOTT AVENUE MORGANTOWN, WV 26508 | AFLAC | $930 | $13 | $943 | 2.93% |
| KENNETH L. COTE3 Filed as: KENNETH L COTE | 11056 SILICA ROAD NORTH JACKSON, OH 44451 | AFLAC | $232 | $0 | $232 | 0.72% |
| KAREN K. BLISS3 Filed as: KAREN K BLISS | PO BOX 871 PRICE, UT 84501 | AFLAC | $199 | $0 | $199 | 0.62% |
| ALEXIE JO CILENSEK3 | 336 A STREET ROCK SPRINGS, WY 82901 | AFLAC | $198 | $0 | $198 | 0.62% |
| LEIGH FULKS3 Filed as: LEIGH ANN KERSTING AND VARIOUS AGNT | 48 DONLEY STREET SUITE 703 MORGANTOWN, WV 26501 | AFLAC | $183 | $0 | $183 | 0.57% |
| BETH A RICHARDSON3 | 899 FLEMING AVENUE FAIRMONT, WV 26554 | AFLAC | $157 | $0 | $157 | 0.49% |
| KATHERINE ANTOINET YOUNG3 | 83 NUTT AVENUE UNIONTOWN, PA 15401 | AFLAC | $89 | $0 | $89 | 0.28% |
| USI INSURANCE SERVICES LLC3 | 6 CANYON ROAD, SUITE 100 MORGANTOWN, WV 26508 | AFLAC | $88 | $0 | $88 | 0.27% |
| DEANNA M CHRISTENSEN3 | PO BOX 2175 ROCK SPRINGS, WY 82902 | AFLAC | $85 | $0 | $85 | 0.26% |
| LEIGH FULKS3 Filed as: LEIGH ANN KERSTIN | 48 DONLEY STREET SUITE 703 MORGANTOWN, WV 26501 | AFLAC | $80 | $0 | $80 | 0.25% |
| MARY STEWART3 Filed as: MARY L STEWART | 51 WHITE DAY CREEK ROAD FAIRMONT, WV 26554 | AFLAC | $64 | $0 | $64 | 0.20% |
| DAN MOORE3 | 8792 NORTH CLUBHOUSE LANE EAGLE MOUNTAIN, UT 84005 | AFLAC | $64 | $0 | $64 | 0.20% |
| JEARL BARNETTE3 Filed as: JEARL D BARNETTE | 197 STATE LINE DRIVE GRANTSVILLE, MD 21536 | AFLAC | $63 | $0 | $63 | 0.20% |
| KIMBERELY L SHERRY AND VARIOUS AGNT3 | 14707 VETERANS MEMORIAL HIGHWAY REEDSVILLE, WV 26554 | AFLAC | $50 | $0 | $50 | 0.16% |
| JEARL BARNETTE3 Filed as: JEARL D BARNETTE | 197 STATE LINE DRIVE GRANSTVILLE, MD 26501 | AFLAC | $46 | $0 | $46 | 0.14% |
| BEN JENKINS3 | 768 RANGER DRIVE CHEYENNE, WY 82009 | AFLAC | $43 | $0 | $43 | 0.13% |
| DAMON R STREETMAN3 | 5894 WEST WILDFLOWER COURT HIGHLAND, UT 84003 | AFLAC | $43 | $0 | $43 | 0.13% |
| MARSHA L ECHOLS3 | PO BOX 594 THATCHER, AZ 85552 | AFLAC | $40 | $0 | $40 | 0.12% |
| CHARLES HUGH MACKAY3 | 18250 142ND AVENUE NE WOODINVILLE, WA 98072 | AFLAC | $31 | $0 | $31 | 0.10% |
| SOUTHWEST BENEFIT ADVISORS, LLC3 | 350 HILLCREST WAY GREEN RIVER, WY 82935 | AFLAC | $28 | $0 | $28 | 0.09% |
| BISSELL ENTERPRISES INC3 Filed as: BISSELL ENTERPRISES, INC. | 7540 WINDSOR DRIVE SUITE 306 ALLENTOWN, PA 18195 | AFLAC | $26 | $0 | $26 | 0.08% |
| MJ INSURANCE3 Filed as: TIFFANY ANN MONK AND VARIOUS AGENTS | 140 UINTA DRIVE GREEN RIVER, WY 82935 | AFLAC | $23 | $0 | $23 | 0.07% |
| RYAN DREBING3 Filed as: RYAN A DREBING | 2112 NORTH ROAN STREET SUITE 702 JOHNSON CITY, TN 37601 | AFLAC | $22 | $0 | $22 | 0.07% |
| MJ INSURANCE3 Filed as: RPM LTD AND VARIOUS AGENTS | PO BOX 484 BLOOMINGDALE, GA 31302 | AFLAC | $20 | $0 | $20 | 0.06% |
| WILLIAM R. ALLMAN3 Filed as: WILLIAM R ALLMAN | 822 MAPLE STREET BRIDGEPORT, WV 26330 | AFLAC | $8 | $0 | $8 | 0.02% |
| CHARLES HUGH MACKAY3 | 3203 ODYSSEY LAKE CIRCLE SOUTH BURNSWICK, GA 31525 | AFLAC | $6 | $0 | $6 | 0.02% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $2K | $0 | $2K | 35.62% |
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 | 332 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 630 | $4.7M |
| Vision | VISION SERVICE PLAN | 262 | $5K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 332 | $172K |
| Short-term disability | AFLAC | 27 | $32K |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 332 | $140K |
| Prescription drug | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 630 | $4.7M |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 332 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 630 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.