| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMOTHY T WHALEN3 | 112 S 5TH STREET CLARKSBURG, WV 26301 | NORTHWESTERN MUTUAL | $2K | $488 | $2K | 1.09% |
| BILLY RAY DYER3 | 1023A ARBUCKLE RD SUMMERSVILLE, WV 26651 | NORTHWESTERN MUTUAL | $2K | $474 | $2K | 1.05% |
| THOMAS J. MCCORD3 Filed as: THOMAS H GORRELL | 112 S 5TH STREET CLARKSBURG, WV 26301 | NORTHWESTERN MUTUAL | $1K | $315 | $2K | 0.76% |
| WHR AGENCY INC3 Filed as: WHR AGENCY INC. | 920 QUARRIER STREET CHARLESTON, WV 25301 | NORTHWESTERN MUTUAL | $1K | $97 | $1K | 0.54% |
| AUSTIN T. GETZ3 | 121 SIMPSON STREET MORGANTOWN, WV 26501 | NORTHWESTERN MUTUAL | $975 | $226 | $1K | 0.54% |
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 | 613 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 621 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability | NORTHWESTERN MUTUAL | 618 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 618 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.