| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN A. BARNES3 | 1053 MAPLE DR STE 200 MORGANTOWN, WV 26505 | NORTHWESTERN MUTUAL | $5K | $1K | $6K | 9.82% |
| FREDERICK BRUNI3 | 1053 MAPLE DR STE 200 MORGANTOWN, WV 26505 | NORTHWESTERN MUTUAL | $482 | $173 | $655 | 1.07% |
| WHR AGENCY INC3 Filed as: WHR AGENCY INC. | 601 TENNESSEE AVE CHARLESTON, WV 25302 | NORTHWESTERN MUTUAL | $482 | $58 | $540 | 0.88% |
| JOHN A. BARNES3 | 1053 MAPLE DR STE 200 MORGANTOWN, WV 26505 | NORTHWESTERN MUTUAL | $3K | $785 | $4K | 6.76% |
| FREDERICK BRUNI3 | 1053 MAPLE DR STE 200 MORGANTOWN, WV 26505 | NORTHWESTERN MUTUAL | $312 | $112 | $424 | 0.73% |
| WHR AGENCY INC3 Filed as: WHR AGENCY INC. | 601 TENNESSEE AVE. CHARLESTON, WV 25302 | NORTHWESTERN MUTUAL | $312 | $37 | $349 | 0.60% |
| JOHN A. BARNES3 | 1053 MAPLE DR STE 200 MORGANTOWN, WV 26505 | NORTHWESTERN MUTUAL | $3K | $1K | $4K | 7.30% |
| FREDERICK BRUNI3 | 1053 MAPLE DR STE 200 MORGANTOWN, WV 26505 | NORTHWESTERN MUTUAL | $265 | $95 | $360 | 0.70% |
| WHR AGENCY INC3 Filed as: WHR AGENCY INC. | 601 TENNESSEE AVE CHARLESTON, WV 25302 | NORTHWESTERN MUTUAL | $265 | $32 | $297 | 0.58% |
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 | 191 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | NORTHWESTERN MUTUAL | 191 | $51K |
| Short-term disability | NORTHWESTERN MUTUAL | 191 | $58K |
| Long-term disability | NORTHWESTERN MUTUAL | 191 | $61K |
| Other | NORTHWESTERN MUTUAL | 191 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.