| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ASSISTANCE CORPORATION3 Filed as: BENEFIT ASSISTANCE COMPANY | — | NATIONWIDE INSURANCE CO | $119K | — | $119K | 23.90% |
| MAINSTREET | — | NATIONWIDE INSURANCE CO | $52K | — | $52K | 10.46% |
| CIGNA3 | — | NATIONWIDE INSURANCE CO | $39K | — | $39K | 7.84% |
| MEDWATCH LLC3 Filed as: MEDWATCH, LLC | — | NATIONWIDE INSURANCE CO | $4K | — | $4K | 0.89% |
| METAVANTE | — | NATIONWIDE INSURANCE CO | $788 | — | $788 | 0.16% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WEST VIRGINIA | 340 MACCORKLE AVE SE STE 200 CHARLESTON, WV 25314 | PRINCIPAL LIFE INSURANCE COMPANY | $19K | — | $19K | 6.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT ASSISTANCE COMPANY EIN 55-0715869 ADMIN SERVICES | Other fees Service code 99 | — | $119K |
| MAINSTREET EIN 82-0686267 | Other fees Service code 99 | — | $52K |
| CIGNA EIN 59-1031071 | Other fees Service code 99 | — | $39K |
| MEDWATCH, LLC EIN 59-3325519 UR FEES | Other fees Service code 99 | — | $4K |
| METAVANTE EIN 38-3261866 | Other fees Service code 99 | — | $788 |
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 | 355 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 523 | $280K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 523 | $280K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 523 | $280K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 523 | $280K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 523 | $280K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE INSURANCE CO | 188 | $499K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 523 | — |
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.