| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ZONTEK, JOSHUA R3 | 22 CONIFER DRIVE BRIDGEPORT, WV 26330 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $477K | — | $477K | 4.27% |
| RISK STRATEGIES COMPANY3 Filed as: BLUE RIDGE RISK PARTNERS, LLC | 1120C PROFESSIONAL CT HAGERSTOWN, MD 21740 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $41K | — | $41K | 0.36% |
| RISK STRATEGIES COMPANY3 Filed as: BLUE RIDGE RISK PARTNERS, LLC | 1120C PROFESSIONAL CT HAGERSTOWN, MD 21740 | UNITED CONCORDIA INSURANCE COMPANY | $11K | — | $11K | 3.20% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS STREET VIRGINIA BEACH, VA 23466 | UNITED CONCORDIA INSURANCE COMPANY | $51 | $19 | $70 | 0.02% |
| RISK STRATEGIES COMPANY3 Filed as: BLUE RIDGE RISK PARTNERS, LLC | 1120C PROFESSIONAL CT HAGERSTOWN, MD 23466 | VISION SERVICE PLAN (VSP) | $4K | — | $4K | 3.98% |
| RISK STRATEGIES COMPANY3 Filed as: BLUE RIDGE RISK PARTNERS, LLC | 1120C PROFESSIONAL CT HAGERSTOWN, MD 21740 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.59% |
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 | 1,059 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,059 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 1,168 | $11.2M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 1,493 | $339K |
| Vision | VISION SERVICE PLAN (VSP) | 845 | $96K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 81 | $20K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 81 | $20K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 81 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,493 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.