| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 100 PINEWOOD LANE SUITE 301 WARRENDALE, PA 15086 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $407K | — | $407K | 2.76% |
| RISK STRATEGIES COMPANY3 Filed as: BLUE RIDGE RISK PARTNERS, LLC | 1120C PROFESSIONAL CT HAGERSTOWN, MD 21740 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $284K | — | $284K | 1.93% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS STREET VIRGINIA BEACH, VA 23466 | UNITED CONCORDIA INSURANCE COMPANY | $9K | $9K | $17K | 3.78% |
| RISK STRATEGIES COMPANY3 Filed as: BLUE RIDGE RISK PARTNERS, LLC | 1120C PROFESSIONAL CT HAGERSTOWN, MD 21740 | UNITED CONCORDIA INSURANCE COMPANY | $3K | — | $3K | 0.68% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN (VSP) | $3K | — | $3K | 2.89% |
| RISK STRATEGIES COMPANY3 Filed as: BLUE RIDGE RISK PARTNERS, LLC | 1120C PROFESSIONAL CT HAGERSTOWN, MD 23466 | VISION SERVICE PLAN (VSP) | $2K | — | $2K | 1.31% |
| JIM LIVELY INSURANCE3 Filed as: JIM LIVELY INSURANCE, INC | PO BOX 1633 OAK HILL, WV 25901 | VISION SERVICE PLAN (VSP) | $386 | — | $386 | 0.32% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $207 | $2K | 6.42% |
| RISK STRATEGIES COMPANY3 Filed as: BLUE RIDGE RISK PARTNERS, LLC | 1120C PROFESSIONAL CT HAGERSTOWN, MD 21740 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.36% |
| USI INSURANCE SERVICES LLC3 | PO BOX 3727 NORFOLK, VA 23514 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $178 | $178 | 0.55% |
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 | 1,140 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 1,855 | $14.7M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 1,960 | $461K |
| Vision | VISION SERVICE PLAN (VSP) | 1,030 | $119K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 112 | $33K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 112 | $33K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 112 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,960 | — |
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.
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.