| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEWIS, NORMAN E3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $102K | — | $102K | 2.17% |
| AON CONSULTING INC3 | 5600 W 83RD ST 8200 TOWER #1100 MINNEAPOLIS, MN 55437 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $46K | — | $46K | 0.98% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS (SEE ATTACHED) | 1932 WYNNTON ROAD SUITE 450 COLUMBUS, GA 31999 | AFLAC | $9K | $233 | $9K | 16.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $1K | — | $1K | 3.08% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $849 | — | $849 | 1.81% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.88% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.12% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.84% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.16% |
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 | 281 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 531 | $4.7M |
| Dental | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 531 | $4.7M |
| Vision | VISION SERVICE PLAN | 227 | $47K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 283 | $103K |
| Short-term disability | AFLAC | 68 | $58K |
| Long-term disability | STANDARD INSURANCE COMPANY | 221 | $42K |
| Prescription drug | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 531 | $4.7M |
| Other(3 contracts, 3 carriers) | AFLAC | 283 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 531 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.