| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ASSISTANCE CORPORATION3 Filed as: BENEFIT ASSISTANCE COMPANY | — | NATIONWIDE INSURANCE CO | $117K | — | $117K | 27.64% |
| MAINSTREET3 | — | NATIONWIDE INSURANCE CO | $48K | — | $48K | 11.33% |
| CIGNA3 | — | NATIONWIDE INSURANCE CO | $40K | — | $40K | 9.43% |
| MEDWATCH LLC3 Filed as: MEDWATCH, LLC | — | NATIONWIDE INSURANCE CO | $5K | — | $5K | 1.07% |
| METAVANTE3 | — | NATIONWIDE INSURANCE CO | $741 | — | $741 | 0.17% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WEST VIRGINIA | 340 MACCORKLE AVE SE STE 200 CHARLESTON, WV 25314 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 8.10% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WEST VIRGINIA | 340 MACCORKLE AVE SE CHARLESTON, WV 25314 | UNITED OF OMAHA LIFE INSURANCE CO | $9K | $1K | $10K | 17.47% |
| THE BENEFIT COMPANY INC5 Filed as: THE BENEFIT COMPANY INC. | PO BOX 211486 COLUMBIA, SC 29221 | UNITED OF OMAHA LIFE INSURANCE CO | — | $2K | $2K | 2.72% |
| MCGRIFF INSURANCE SERVICES INC3 | 2211 7TH AVE S BIRMINGHAM, AL 35233 | UNITED OF OMAHA LIFE INSURANCE CO | — | $989 | $989 | 1.65% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WEST VIRGINIA | 340 MACCORKLE AVE SE CHARLESTON, WV 25314 | UNITED OF OMAHA LIFE INSURANCE CO | $5K | $839 | $6K | 17.64% |
| THE BENEFIT COMPANY INC5 Filed as: THE BENEFIT COMPANY INC. | PO BOX 211486 COLUMBIA, SC 29221 | UNITED OF OMAHA LIFE INSURANCE CO | — | $2K | $2K | 5.13% |
| MCGRIFF INSURANCE SERVICES INC3 | 2211 7TH AVE S BIRMINGHAM, AL 35233 | UNITED OF OMAHA LIFE INSURANCE CO | — | $559 | $559 | 1.76% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WEST VIRGINIA | 340 MACCORKLE AVE SE CHARLESTON, WV 25314 | UNITED OF OMAHA LIFE INSURANCE CO | $4K | $881 | $5K | 18.17% |
| THE BENEFIT COMPANY INC5 Filed as: THE BENEFIT COMPANY INC. | PO BOX 211486 COLUMBIA, SC 29221 | UNITED OF OMAHA LIFE INSURANCE CO | — | $2K | $2K | 6.68% |
| MCGRIFF INSURANCE SERVICES INC3 | 2211 7TH AVE S BIRMINGHAM, AL 35233 | UNITED OF OMAHA LIFE INSURANCE CO | — | $587 | $587 | 2.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT ASSITANCE COMPANY EIN 55-0725869 ADMINISTRATOR | Other fees Service code 99 | — | $117K |
| MAINSTREET EIN 82-0686267 | Other fees Service code 99 | — | $48K |
| CIGNA EIN 59-1031071 | Other fees Service code 99 | — | $40K |
| MEDWATCH, LLC EIN 59-3325519 UR FEES | Other fees Service code 99 | — | $5K |
| METAVANTE EIN 38-3261866 | Other fees Service code 99 | — | $741 |
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 | 238 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONWIDE INSURANCE CO | 193 | $424K |
| Dental | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 292 | $117K |
| Vision | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 292 | $117K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 238 | $60K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 238 | $32K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE INSURANCE CO | 193 | $424K |
| Other(2 contracts, 2 carriers) | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 292 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.