| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS J. MCCORD3 Filed as: THOMAS H GORRELL | 229 W MAIN ST STE 600 CLARKSBURG, WV 26301 | NORTHWESTERN MUTUAL | $168 | $57 | $225 | — |
| WHR AGENCY INC3 | 601 TENNESSEE AVE CHARLESTON, WV 25302 | NORTHWESTERN MUTUAL | $19 | $2 | $21 | — |
| GUY S DEVONO3 | 720 EAST WISCONSIN AVENUE MILWAUKEE, WI 53202 | PRUDENTIAL | $0 | — | $0 | — |
| RODNEY M FERRUSO3 | ROYAL ALLIANCE ASSOCIATES, INC. 1232 SUNCREST TOWN CENTER MORGANTOWN, WV 26505 | JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) | $0 | — | $0 | — |
| RODNEY M FERRUSO3 | ROYAL ALLIANCE ASSOCIATES, INC. 1232 SUNCREST TOWN CENTER MORGANTOWN, WV 26505 | JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) | $0 | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ONEAMERICA RETIREMENT SERVICES EIN 46-5378846 RECORDKEEPER | Participant communication; Account maintenance fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees; Participant loan processing Service code 15 | — | $166K |
| GEOFFREY KORWAN/MORGAN STANLEY ADVISOR | Investment advisory (participants); Investment management fees paid directly by plan Service code 26 | 500 LEE STREET, SUITE 300 CHARLESTON, WV 25301 | $21K |
| RUSSELL DUNKIN ADVISOR | Investment advisory (participants); Investment management fees paid directly by plan Service code 26 | 48 FOURTEENTH STREET WHEELING, WV 26003 | $20K |
| LES WILKERSON ADVISOR | Investment management fees paid directly by plan; Investment advisory (participants) Service code 26 | 300 SUMMERS STREET, 5TH FLOOR CHARLESTON, WV 25301 | $17K |
| C. TODD MOLESSA ADVISOR | Investment advisory (participants); Investment management fees paid directly by plan Service code 26 | 2519 OHIO AVENUE PARKERSBURG, WV 26101 | $16K |
| SHERRY CHILDRESS ADVISOR | Investment management fees paid directly by plan; Investment advisory (participants) Service code 26 | 10 FRANKLIN ROAD SUITE 450 ROANOKE, VA 24011 | $15K |
| LOIS CHRICTON/WELLS FARGO ADVISORS EIN 72-1560834 ADVISOR | Investment advisory (participants); Investment management fees paid directly by plan Service code 26 | — | $14K |
| UNDRA J. JOHNSON ADVISOR | Investment advisory (participants); Investment management fees paid directly by plan Service code 26 | 2400 ANSYS DRIVE, SUITE 204 CANONSBURG, PA 15317 | $13K |
| JOSHUA YOUNG ADVISOR | Investment management fees paid directly by plan; Investment advisory (participants) Service code 26 | 5007 HORIZONS DRIVE COLUMBUS, OH 43220 | $12K |
| KATHERINE WILLIS/PALLADIUM PARTNERS EIN 43-2055488 ADVISOR | Investment management fees paid directly by plan; Investment advisory (participants) Service code 26 | — | $9K |
| TD AMERITRADE EIN 82-0543156 ADVISOR | Investment advisory (participants); Investment management fees paid directly by plan Service code 26 | — | $2K |
| MATRIX TRUST COMPANY EIN 75-3182674 TRUSTEE | Direct payment from the plan; Float revenue; Trustee (directed); Other services; Custodial (securities); Trustee (bank, trust company, or similar financial institution); Custodial (other than securities) Service code 18 | — | $0 |
| MSCS FINANCIAL SERVICES | Soft dollars commissions; Shareholder servicing fees; Finders' fees / placement fees; Direct payment from the plan; Distribution (12b-1) fees; Sub-transfer agency fees Service code 50 | — | $0 |
| TD AMERITRADE, INC. | Sub-transfer agency fees; Soft dollars commissions; Distribution (12b-1) fees; Shareholder servicing fees Service code 59 | — | $0 |
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 | 609 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 167 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 776 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(4 contracts, 3 carriers) | NORTHWESTERN MUTUAL | 4 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4 | — |
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.