| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTURION INSURANCE SERVICES LLC3 | 1001 VIRGINIA STREET SUITE 100 CHARLESTON, WV 25301 | UNITEDHEALTHCARE INSURANCE COMPANY | $177K | — | $177K | 3.21% |
| CENTURION INSURANCE SERVICES LLC3 | 1001 VIRGNINA STREET EAST SUITE 100 CHARLESTON, WV 25301 | STARMOUNT LIFE INSURANCE COMPANY | $24K | — | $24K | 10.34% |
| CENTURION INSURANCE SERVICES LLC3 Filed as: CENTURION INSURANCE SERVICES | 201 PENNSYLVANIA AVENUE NORTH 3RD FLOOR CHARLESTON, WV 25302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 15.00% |
| CENTURION INSURANCE SERVICES LLC3 Filed as: CENTURION INSURANCE SERVICES | 201 PENNSYLVANIA AVENUE NORTH 3RD FLOOR CHARLESTON, WV 25302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 15.00% |
| CENTURION INSURANCE SERVICES LLC3 Filed as: CENTURION INSURANCE SERVICE | 201 PENNSYLVANIA AVE NORTH 3RD FLOOR CHARLESTON, WV 25302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
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 | 357 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 737 | $5.5M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 379 | $227K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 379 | $227K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 439 | $102K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 350 | $39K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 439 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 737 | — |
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.