| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORNERSTONE BENEFITS LLC3 Filed as: CORNERSTONE GROUP INC | 596 CABELA DR TRIDELPHIA, WV 26059 | STANDARD INSURANCE COMPANY | $8K | $0 | $8K | 8.99% |
| COURY HEALTH SERVICES LLC3 | 680 ANDERSEN DR STE 1 PITTSBURGH, PA 152202756 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.34% |
| GCG FINANCIAL LLC3 Filed as: ALERA GENERAL AGENCY INSURANCE | 680 ANDERSEN DR STE 615 PITTSBURGH, PA 152202759 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 4.89% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA ARMS | 965 GREENTREE RD STE 110 PITTSBURGH, PA 152203353 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $634 | $634 | 1.18% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD STE 310 PITTSBURGH, PA 152203353 | VISION SERVICE PLAN | $786 | $0 | $786 | 7.17% |
| THOMAS J MCCORD3 | 36 MULBERRY LN BRIDGEPORT, WV 26330 | AFLAC | $1K | $0 | $1K | 11.10% |
| JAMES J CHADWELL3 | 118 ADAMS ST STE 100 FAIRMONT, WV 26554 | AFLAC | $358 | $0 | $358 | 3.48% |
| CRYSTAL L MARTIN3 | 57 LAVISTA DR MORGANTOWN, WV 26508 | AFLAC | $214 | $0 | $214 | 2.08% |
| BETH A RICHARDSON3 | 456 BLACKBERRY RIDGE DR MORGANTOWN, WV 26508 | AFLAC | $192 | $0 | $192 | 1.87% |
| BRIAN CUMPTAN3 | 320 9TH ST STE 200 HUNTINGTON, WV 25701 | AFLAC | $48 | $0 | $48 | 0.47% |
| JEARL D BARNETTE3 | 197 STATE LINE DR GRANTSVILLE, MD 21536 | AFLAC | $12 | $0 | $12 | 0.12% |
| JUSTIN W DAVIS3 | 300 LIVE OAK CT SALEM, VA 24153 | AFLAC | $9 | $0 | $9 | 0.09% |
| THOMAS J STEPHENSON3 | 31 STADELMAN CT CARTERSVILLE, GA 30120 | AFLAC | $9 | $0 | $9 | 0.09% |
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 | 78 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 78 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 165 | $54K |
| Vision | VISION SERVICE PLAN | 63 | $11K |
| Life insurance | STANDARD INSURANCE COMPANY | 78 | $90K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 78 | $100K |
| Long-term disability | STANDARD INSURANCE COMPANY | 78 | $90K |
| Other | AFLAC | 10 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.