| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 100 PINEWOOD LANE, SUITE 301 WARRENDALE, PA 15086 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $78K | $0 | $78K | 3.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: TYLER BROWN | 3359 PLYMALE BRANCH ROAD HUNTINGTON, WV 25704 | AM FIRST INSURANCE COMPANY | $15K | $0 | $15K | 10.00% |
| MORGNA WHITE LIMITED3 | PO BOX 14067 JACKSON, MS 39236 | AM FIRST INSURANCE COMPANY | $7K | $0 | $7K | 5.00% |
| AEGISINSURE LLC3 Filed as: AEGISINSURE | 3359 PLYMALE BRANCH ROAD HUNTINGTON, WV 25704 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 10.83% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 5.40% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WEST VIRGIN | PO BOX 10 ONA, WV 25545 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$867 | $0 | -$867 | -0.93% |
| BETTER CHOICE HEALTH LLC3 | 4461 NORTHEAST 30TH AVENUE LIGHTHOUSE POINT, FL 33064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $620 | $3K | 8.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: TYLER BROWN | 3359 PLYMALE BRANCH ROAD HUNTINGTON, WV 25704 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 8.44% |
| JOSEPH H DEACON II3 Filed as: JOSEPH DEACON | PO BOX 2831 CHARLESTON, WV 25330 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 5.14% |
| LYNN MARIE BARRY3 | 301 WEST PARK AVENUE LANGHOME, PA 19047 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $628 | $350 | $978 | 3.27% |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY SOUTH BOCA RATON, FL 33498 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $629 | $336 | $965 | 3.23% |
| MJ INSURANCE3 Filed as: BRETT HAMILTON & VARIOUS AGENTS | PO BOX 6398 CHARLESTON, WV 25362 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $598 | $0 | $598 | 2.00% |
| ELLIS INSURANCE AGENCY3 Filed as: ELLIS INSURANCE. AGENCY LLC | 5949 SISSONVILLE DRIVE CHARLESTON, WV 25312 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $287 | $0 | $287 | 0.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: TYLER BROWN | 1212 10TH STREET HUNTINGTON, WV 25701 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 10.00% |
| BETTER CHOICE HEALTH LLC3 | 4461 NORTHEAST 30TH AVENUE LIGHTHOUSE POINT, FL 33064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $602 | $3K | 19.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: TYLER BROWN | 3359 PLYMALE BRANCH ROAD HUNTINGTON, WV 25704 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 12.31% |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY SOUTH BOCA RATON, FL 33498 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $322 | $172 | $494 | 3.77% |
| LYNN MARIE BARRY3 | 301 WEST PARK AVENUE LANGHOME, PA 19047 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $313 | $174 | $487 | 3.72% |
| JOSEPH H DEACON II3 Filed as: JOSEPH DEACON | PO BOX 2831 CHARLESTON, WV 25330 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $420 | $0 | $420 | 3.20% |
| BRETT MICHELLE HAMILTON3 | PO BOX 6398 CHARLESTON, WV 25362 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $55 | $0 | $55 | 0.42% |
| MJ INSURANCE3 Filed as: ELLIS INS. AGENCY & VARIOUS AGENTS | 5949 SISSONVILLE DRIVE CHARLESTON, WV 25312 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $35 | $0 | $35 | 0.27% |
| BETTER CHOICE HEALTH LLC3 | 4461 NORTHEAST 30TH AVENUE LIGHTHOUSE POINT, FL 33064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $426 | $2K | 16.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: TYLER BROWN | 3359 PLYMALE BRANCH ROAD HUNTINGTON, WV 25704 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 13.28% |
| LYNN MARIE BARRY3 | 301 WEST PARK AVENUE LANGHOME, PA 19047 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $307 | $171 | $478 | 4.14% |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY SOUTH BOCA RATON, FL 33498 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $295 | $157 | $452 | 3.91% |
| PETER MICHAEL FOLEY JR3 | 150 PAMPLICO LANE MOORESVILLE, NC 28117 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $146 | $40 | $186 | 1.61% |
| JOSEPH H DEACON II3 Filed as: JOSEPH DEACON | PO BOX 2831 CHARLESTON, WV 25330 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $170 | $0 | $170 | 1.47% |
| MJ INSURANCE3 Filed as: ELLIS INS. AGENCY & VARIOUS AGENTS | 5949 SISSONVILLE DRIVE CHARLESTON, WV 25312 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $155 | $4 | $159 | 1.38% |
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 | 260 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 408 | $2.2M |
| Dental(4 contracts, 2 carriers) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 408 | $2.3M |
| Vision | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 190 | $23K |
| Life insurance(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 260 | $148K |
| Short-term disability(3 contracts) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 31 | $55K |
| Long-term disability(3 contracts) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 31 | $55K |
| Prescription drug | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 408 | $2.2M |
| Other(5 contracts, 3 carriers) | AM FIRST INSURANCE COMPANY | 260 | $297K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 408 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.