| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS J. MCCORD3 Filed as: THOMAS H GORRELL | 99 CAMBRIDGE PL BRIDGEPORT, WV 26330 | NORTHWESTERN MUTUAL | $146 | $45 | $191 | — |
| ADAM MICHAEL ROWH3 | 99 CAMBRIDGE PL BRIDGEPORT, WV 26330 | NORTHWESTERN MUTUAL | $18 | $6 | $24 | — |
| WHR AGENCY INC3 | 601 TENNESSEE AVE CHARLESTON, WV 25302 | NORTHWESTERN MUTUAL | $18 | $2 | $20 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ONEAMERICA RETIREMENT SERVICES EIN 46-5378846 RECORDKEEPER | Account maintenance fees; Participant loan processing; Recordkeeping fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication Service code 15 | — | $127K |
| GEOFFREY KORWAN/MORGAN STANLEY ADVISOR | Investment management fees paid directly by plan; Investment advisory (participants) Service code 26 | 500 LEE STREET, SUITE 300 CHARLESTON, WV 25301 | $30K |
| RUSSELL DUNKIN ADVISOR | Investment management fees paid directly by plan; Investment advisory (participants) Service code 26 | 48 FOURTEENTH STREET WHEELING, WV 26003 | $22K |
| UNDRA J. JOHNSON ADVISOR | Investment management fees paid directly by plan; Investment advisory (participants) Service code 26 | 4000 TOWN CENTER BLVD. SUITE 100 CANONSBURG, PA 15317 | $21K |
| CHARLES SCHWAB ADVISOR | Investment management fees paid directly by plan; Investment advisory (participants) Service code 26 | 2423 E. LINCOLN DRIVE PHOENIX, AZ 85016 | $19K |
| LOIS CHRICTON ADVISOR | Investment advisory (participants); Investment management fees paid directly by plan Service code 26 | 500 CORPORATE LANDING SUITE 201 CHARLESTON, WV 23511 | $16K |
| JOSHUA YOUNG ADVISOR | Investment advisory (participants); Investment management fees paid directly by plan Service code 26 | 5007 HORIZONS DRIVE COLUMBUS, OH 43220 | $15K |
| C. TODD MOLESSA ADVISOR | Investment management fees paid directly by plan; Investment advisory (participants) Service code 26 | 2519 OHIO AVENUE PARKERSBURG, WV 26101 | $11K |
| LES WILKERSON ADVISOR | Investment advisory (participants); Investment management fees paid directly by plan Service code 26 | 300 SUMMERS STREET, SUITE 300 CHARLESTON, WV 25301 | $7K |
| ERNIE COFFINDAFFER ADVISOR | Investment advisory (participants); Investment management fees paid directly by plan Service code 26 | 320 SOUTHVIEW DRIVE, SUITE 102 BRIDGEPORT, WV 26330 | $6K |
| TD AMERITRADE EIN 82-0543156 ADVISOR | Investment advisory (participants); Investment management fees paid directly by plan Service code 26 | — | $221 |
| MATRIX TRUST COMPANY EIN 75-3182674 TRUSTEE | Float revenue; Custodial (securities); Trustee (bank, trust company, or similar financial institution); Custodial (other than securities); Trustee (directed); Other services; Direct payment from the plan Service code 18 | — | $0 |
| MSCS FINANCIAL SERVICES | Distribution (12b-1) fees; Shareholder servicing fees; Sub-transfer agency fees; Soft dollars commissions; Direct payment from the plan; Finders' fees / placement fees Service code 50 | — | $0 |
| TD AMERITRADE, INC. | Sub-transfer agency fees; Shareholder servicing fees; Soft dollars commissions; Distribution (12b-1) 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 | 590 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 214 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 804 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | NORTHWESTERN MUTUAL | 3 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3 | — |
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.