| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ASSISTANCE CORPORATION5 | PO BOX 950 HURRICANE, WV 25526 | ACE AMERICAN INSURANCE COMPANY | $63K | — | $63K | 14.59% |
| CHRISTOPHER D CURRY3 | 602 VETERANS MEMORIAL BLVD HUNTINGTON, WV 257011303 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $2K | $9K | 11.22% |
| NORTHWERSTERN MUTUAL LIFE3 | 729 E WISCONSIN AVE MILWAUKEE, WI 532024703 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $771 | $771 | 0.94% |
| CHRISTOPHER D CURRY3 | 602 VETERANS MEMORIAL BLVD HUNTINGTON, WV 25701 | NORTHWESTERN MUTUAL | $4K | $1K | $5K | 9.57% |
| BRANDON M CLINE3 | 602 VETERANS MEMORIAL BLVD HUNTINGTON, WV 25701 | NORTHWESTERN MUTUAL | $655 | $155 | $810 | 1.57% |
| WHR AGENCY INC3 Filed as: WHR AGENCY INC. | 920 QUARRIER ST HUNTINGTON, WV 25301 | NORTHWESTERN MUTUAL | $583 | $51 | $634 | 1.23% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 264 | $82K |
| Long-term disability | NORTHWESTERN MUTUAL | 161 | $52K |
| Stop-loss / reinsurancereinsurance | ACE AMERICAN INSURANCE COMPANY | 143 | $433K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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.