| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ASSISTANCE CORPORATION5 | PLO. BOX 950 HURRICANE, WV 25526 | ACE AMERICAN INSURANCE | $46K | — | $46K | 15.00% |
| CHRISTOPHER D CURRY3 | 602 VETERANS MEMORIAL BLVD HUNTINGTON, WV 25701 | PRINCIPAL LIFE INSURANCE GROUP | $6K | $2K | $8K | 11.21% |
| BARRY W BRADLEY3 | 139 RALPH DRIVE HURRICANE, WV 25526 | PRINCIPAL LIFE INSURANCE GROUP | $0 | $483 | $483 | 0.68% |
| CHRISTOPHER D CURRY3 | 602 VETERANS MEMORIAL BLVD HUNTINGTON, WV 25701 | NORTHWESTERN MUTUAL | $4K | $917 | $5K | 101.20% |
| WHR AGENCY INC3 Filed as: WHR AGENCY | 920 QUARRIER STREET CHARLESTON, WV 25301 | NORTHWESTERN MUTUAL | $882 | $76 | $958 | 19.84% |
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 | 135 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRINCIPAL LIFE INSURANCE GROUP | 233 | $71K |
| Long-term disability | NORTHWESTERN MUTUAL | 156 | $5K |
| Stop-loss / reinsurancereinsurance | ACE AMERICAN INSURANCE | 134 | $309K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.