| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 7900 WESTPARK DR. STE T220 MCLEAN, VA 22102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $8K | $32K | 20.00% |
| FREDERICK BRUNI3 | 1053 MAPLE DR STE 200 MORGANTOWN, WV 26505 | NORTHWESTERN MUTUAL | $1K | $614 | $2K | 5.21% |
| JOHN A. BARNES3 | 1053 MAPLE DR STE 200 MORGANTOWN, WV 26505 | NORTHWESTERN MUTUAL | $1K | $253 | $1K | 3.15% |
| WHR AGENCY INC3 Filed as: WHR AGENCY INC. | 601 TENNESSEE AVE CHARLESTON, WV 25302 | NORTHWESTERN MUTUAL | $372 | $45 | $417 | 1.05% |
| FREDERICK BRUNI3 | 1053 MAPLE DR STE 200 MORGANTOWN, WV 26505 | NORTHWESTERN MUTUAL | $3K | $675 | $3K | 8.71% |
| JOHN A. BARNES3 | 1053 MAPLE DR STE 200 MORGANTOWN, WV 26505 | NORTHWESTERN MUTUAL | $929 | $234 | $1K | 3.06% |
| WHR AGENCY INC3 Filed as: WHR AGENCY INC. | 601 TENNESSEE AVE CHARLESTON, WV 25302 | NORTHWESTERN MUTUAL | $602 | $72 | $674 | 1.77% |
| FREDERICK BRUNI3 | 1053 MAPLE DR STE 200 MORGANTOWN, WV 26505 | NORTHWESTERN MUTUAL | $1K | $386 | $2K | 5.31% |
| JOHN A. BARNES3 | 1053 MAPLE DR STE 200 MORGANTOWN, WV 26505 | NORTHWESTERN MUTUAL | $865 | $218 | $1K | 3.06% |
| WHR AGENCY INC3 Filed as: WHR AGENCY INC. | 601 TENNESSEE AVE. CHARLESTON, WV 25302 | NORTHWESTERN MUTUAL | $368 | $44 | $412 | 1.16% |
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 | 244 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 244 | $198K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 244 | $193K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 244 | $196K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 244 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.