| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | MONY LIFE INSURANCE COMPANY OF AMERICA | $828 | — | $828 | 1.11% |
| CURTIS BRENT WILMOTH3 | 3648 SMITHTOWN RD MORGANTOWN, WV 26508 | MONY LIFE INSURANCE COMPANY OF AMERICA | $737 | — | $737 | 0.98% |
| JAMES J CHADWELL3 Filed as: JAMES J. CHADWELL | 7013 SCENIC VIEW DRIVE FAIRMONT, WV 26554 | MONY LIFE INSURANCE COMPANY OF AMERICA | $737 | — | $737 | 0.98% |
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 | 958 | 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) | 958 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CAREFIRST | 364 | $37K |
| Vision | CAREFIRST | 364 | $37K |
| Life insurance | MONY LIFE INSURANCE COMPANY OF AMERICA | 958 | $75K |
| Other | MONY LIFE INSURANCE COMPANY OF AMERICA | 958 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 958 | — |
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.