United Bankshares, Inc.
Updated Filing received by DOL
United Bankshares, Inc., a finance & insurance employer in Parkersburg, West Virginia, reported 2,931 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $367,573 in insurance premiums across 7 contracts and $292,819 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on July 10, 2026, before the deadline.
Who was paid on United Bankshares, Inc.'s plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract United Bankshares, Inc. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Alan J Zuccari Inc · Fairfax, VA | $164,660 | $0 | $164,660 | 3 |
| Marsh McLennan Agency · Conshohocken, PA | $66,135 | $62,024 | $128,159 | 2 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2025, as published in EBSA's 2025 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Vision Service Planvision | 1,851 | $367,573 | — | — |
| Mutual of Omaha Insurance Companylong-term disability | 2,578 | — | $41,719 | — |
| Mutual of Omaha Insurance Companylife | 1,124 | — | $42,792 | — |
| HCC Life Insurance Companystop-loss | 1,869 | — | $62,024 | — |
| Mutual of Omaha Insurance Companylife | 2,724 | — | $80,149 | — |
| Delta Dental Insurance Companydental | 2,054 | — | $66,135 | — |
| Highmark Blue Cross Blue Shield of West Virginiahealth, prescription drug | 75 | — | — | — |
Source: DOL Form 5500 Schedule A, plan year 2025. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How United Bankshares, Inc. compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 2,952 | 2,931 | −0.7% |
| Premiums filed | $343,085 | $367,573 | +7.1% |
| Broker commissions + fees | $430,896 | $292,819 | −32.0% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2024 and 2025.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| United Bankshares, Inc. Health and Welfare Benefit Plan#510 · insurance, general assets | December 31, 2025 | July 10, 2026 | before deadline | 2,931 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did United Bankshares, Inc. pay in health insurance broker commissions in 2025?
United Bankshares, Inc.'s 2025 Form 5500 reports $292,819 in broker commissions and fees across 7 insurance contracts ($230,795 in commissions, $62,024 in fees), with Alan J Zuccari Inc receiving the largest share.
Is United Bankshares, Inc.'s health plan self-funded or fully insured?
The 2025 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Highmark Blue Cross Blue Shield of West Virginia.
How does United Bankshares, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for United Bankshares, Inc. because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 1,000-4,999 participants that disclosed broker pay reported a median of $168,579.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.