| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 630 W GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | HIGHMARK BLUE CROSS BLUE SHIELD VEST VIRGINIA | $51K | — | $51K | 3.54% |
| CHRISTOPHE ALLEN3 | PO BOX 958 PARKERSBURG, WV 26102 | HIGHMARK BLUE CROSS BLUE SHIELD VEST VIRGINIA | -$12K | — | -$12K | -0.80% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $24K | — | $24K | 10.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 470 PARK AVE SOUTH FLOOR 6 NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | — | $8K | $8K | 3.34% |
| USI INSURANCE SERVICES LLC3 | ONE HILLCREST DRIVE EAST CHARLESTON, WV 25311 | SYMETRA LIFE INSURANCE COMPANY | $9K | $945 | $10K | 16.49% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | SYMETRA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.80% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | WORLD TRADE CENTER 101 W MAIN ST STE 900 NORFOLK, VA 23510 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $5K | $1K | $7K | 12.47% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE SUITE 350 VALHALLA, NY 10595 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 9.64% |
| USI INSURANCE SERVICES LLC3 | 1 HILLCREST DRIVE EAST CHARLESTON, WV 25311 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $789 | $2K | 4.98% |
| WELLS FARGO INSURANCE SERVICES3 | ONE HILLCREST DRIVE EAST CHARLESTON, WV 25311 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $103 | — | $103 | 0.21% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE SUITE 350 VALHALLA, NY 10595 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $748 | $210 | $958 | 7.82% |
| USI INSURANCE SERVICES LLC3 | 1 HILLCREST DRIVE EAST CHARLESTON, WV 25311 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $392 | — | $392 | 3.20% |
| WELLS FARGO INSURANCE SERVICES3 | ONE HILLCREST DRIVE EAST CHARLESTON, WV 25311 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17 | — | $17 | 0.14% |
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 | 229 | 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) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE CROSS BLUE SHIELD VEST VIRGINIA | 183 | $1.4M |
| Dental | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 102 | $54K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 101 | $12K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 222 | $63K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 229 | $239K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.
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.