Form 5500 · Employee benefit plan · CHARLESTON, WV
INDEPENDENT OIL AND GAS ASSOCIATION OF WEST VIRGINIA TR
The filing calls this plan INDEPENDENT OIL AND GAS ASSOCIATION OF WEST VIRGIN.
INDEPENDENT OIL AND GAS ASSOCIATION OF WEST VIRGINIA TR of CHARLESTON, WV is a 1,059-participant other services employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is BLUE RIDGE RISK PARTNERS LLC. Coverage is written through HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 82-6150591 · plan 501 · plan year 2025, filed Jul 21, 2026
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135 other employer plans in West Virginia have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
The filing says this plan is subject to the Form M-1 requirement for multiple-employer welfare arrangements.
Benefits declared on this filing
Life: UNUM LIFE INSURANCE COMPANY OF AMERICA covers 73 of 1,059 participants (6.9%) on Schedule A.
Disability: UNUM LIFE INSURANCE COMPANY OF AMERICA covers 73 of 1,059 participants (6.9%) on Schedule A.
Also declared: death benefits.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 4 insured contracts covering health, dental, vision, life and disability; the largest, with HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA, covers 1,215 people.
Reported premium across the insured contracts is $12,701,741, with $488,683 in disclosed broker commissions — about 3.8% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
BLUE RIDGE RISK PARTNERS LLC is the broker of record on all 4 contracts.
4 carriers appear on the filing, including HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA, UNITED CONCORDIA INSURANCE COMPANY, VSP and UNUM LIFE INSURANCE COMPANY OF AMERICA. HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | Health | 1,215 | Jan 1, 2026 | $12,261,090 | $472,823 |
| UNITED CONCORDIA INSURANCE COMPANY | Dental | 1,378 | Jan 1, 2026 | $331,125 | $10,408 |
| VSP | Vision | 701 | Jan 1, 2026 | $92,045 | $3,703 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 73 | Jan 1, 2026 | $17,481 | $1,749 |
Premium and claims on this contract
UNITED CONCORDIA INSURANCE COMPANY, contract 450440. For the contract year on this filing, the carrier reported $331,125 in premium earned and $246,926 in claims incurred. Dividing one by the other gives 75%.
- UNITED CONCORDIA INSURANCE COMPANY, contract 450440 reported $84,271 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
How this plan compares
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Renewal calendar
135 other employer plans in West Virginia are January 1 renewals (policy year ends December).
Their policy years end in December, like this plan’s, so most renew January 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
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