| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ASSISTANCE CORPORATION6 Filed as: BENEFIT ASSISTANCE CORP | PO BOX 950 HURRICANE, WV 25526 | ACE AMERICAN INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | $835 | $17K | 14.74% |
| CHRISTOPHER D CURRY3 | 602 VETERANS MEMORIAL BLVD HUNTINGTON, WV 25701 | NORTHWESTERN MUTUAL | $133 | $37 | $170 | — |
| BRANDON CLINE3 | 602 VETERANS MEMORIAL BLVD HUNTINGTON, WV 25701 | NORTHWESTERN MUTUAL | $22 | $8 | $30 | — |
| WHR AGENCY INC3 Filed as: WHR ABENCY INC | 601 TENNESSEE AVE CHARLESTON, WV 25302 | NORTHWESTERN MUTUAL | $20 | $2 | $22 | — |
| CHRIS D CURRY3 | 602 VETERANS MEMORIAL BLVD HUNTINGTON, WV 25701 | PRINCIPAL LIFE INSURANCE COMPANY | -$3 | -$1 | -$4 | — |
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 | 141 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 274 | $117K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 274 | $117K |
| Stop-loss / reinsurancereinsurance | ACE AMERICAN INSURANCE COMPANY | 141 | $435K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.