| 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 | $9K | $0 | $9K | 7.91% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA ARMS | 965 GREENTREE RD STE 110 PITTSBURGH, PA 152203353 | PRINCIPAL LIFE INSURANCE COMPANY | — | $4K | $4K | 6.77% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD STE 310 PITTSBURGH, PA 152203353 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.95% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WEST VIRGINIA | 340 MACCORKLE AVE SE STE 200 CHARLESTON, WV 253141100 | PRINCIPAL LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| THOMAS J. MCCORD3 Filed as: THOMAS J MCCORD | 36 MULBERRY LN BRIDGEPORT, WV 26330 | AFLAC | $686 | $0 | $686 | 4.96% |
| JAMES J CHADWELL3 | 118 ADAMS ST STE 100 FAIRMONT, WV 26554 | AFLAC | $267 | $0 | $267 | 1.93% |
| ROBIN STROUD3 Filed as: ROBIN L STROUD | PO BOX 2768 WOODBRIDGE, VA 22195 | AFLAC | $138 | $0 | $138 | 1.00% |
| SARAH A ROBERTSON3 | 5337 SWEETWATER DR WEST RIVER, MD 20778 | AFLAC | $74 | $0 | $74 | 0.54% |
| BRAIN CUMPTAN3 | 320 9TH ST STE 200 HUNTINGTON, WV 25701 | AFLAC | $55 | $0 | $55 | 0.40% |
| CRYSTAL L MARTIN3 | 57 LAVISTA DR MORGANTOWN, WV 26508 | AFLAC | $39 | $0 | $39 | 0.28% |
| MATTHEW W EVANS3 | 8370 VETERANS HWY STE 101 MILLERSVILLE, MD 21108 | AFLAC | $36 | $0 | $36 | 0.26% |
| JEARL BARNETTE3 Filed as: JEARL D BARNETTE | 197 STATE LINE DR GRANTSVILLE, MD 21536 | AFLAC | $22 | $0 | $22 | 0.16% |
| JUSTIN W DAVIS3 | 300 LIVE OAK CT SALEM, VA 24153 | AFLAC | $11 | $0 | $11 | 0.08% |
| THOMAS J STEPHENSON3 | 31 STADELMAN CT CARTERSVILLE, GA 30120 | AFLAC | $11 | $0 | $11 | 0.08% |
| CURTIS WILMOTH3 | 1614 GARNER ST FAIRMONT, WV 26554 | AFLAC | $10 | $0 | $10 | 0.07% |
| BETH A RICHARDSON3 | 456 BLACKBERRY RIDGE DR MORGANTOWN, WV 26508 | AFLAC | $4 | $0 | $4 | 0.03% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD STE 310 PITTSBURGH, PA 152203353 | VISION SERVICE PLAN | $783 | $0 | $783 | 6.87% |
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 | 71 | 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) | 71 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 196 | $60K |
| Vision | VISION SERVICE PLAN | 61 | $11K |
| Life insurance | STANDARD INSURANCE COMPANY | 71 | $114K |
| Short-term disability | STANDARD INSURANCE COMPANY | 71 | $114K |
| Long-term disability | STANDARD INSURANCE COMPANY | 71 | $114K |
| Other | AFLAC | 9 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.