| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MUNDELL FINANCIAL GROUP3 | 69 CLAY STREET MORGANTOWN, WV 265015902 | CITIZENS SECURITY LIFE INSURANCE COMPANY | $14K | $0 | $14K | 13.63% |
| PETERSON FINANCIAL INC3 Filed as: PETERSON FINANCIAL INC. | 548 CANTON ROAD WINTERSVILLE, OH 43953 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 7.14% |
| MUNDELL FINANCIAL GROUP3 | 69 CLAY STREET MORGANTOWN, WV 265015902 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 6.83% |
| NORTHWEST WORKSITE MARKETING CORP3 | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $340 | $4K | 5.45% |
| JAMES DANIEL MARTINETTE3 | 128 GLEN HOLLIN DRIVE WHEELING, WV 26003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $346 | $4K | 5.33% |
| CBF BENEFITS INC3 | 808 CEDAR AVENUE PITTSBURGH, PA 15212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $191 | $2K | 2.61% |
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 | 483 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 485 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 149 | $69K |
| Dental | CITIZENS SECURITY LIFE INSURANCE COMPANY | 362 | $101K |
| Vision | CITIZENS SECURITY LIFE INSURANCE COMPANY | 362 | $101K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 149 | $69K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 149 | $69K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 149 | $69K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 149 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 362 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.