| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURED NEACE LUKENS INS. AGENCY3 | PO BOX 10 ONA, WV 25545 | VISION SERVICE PLAN | $2K | — | $2K | 2.67% |
| VILLAGE INSURANCE, INC.3 Filed as: VILLAGE INSURANCE, INC | 1825 JEFFERSON BOULEVARD POINT PLEASANT, WV 25550 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 12.87% |
| ASSURED NEACE LUKENS INS. AGENCY3 | PO BOX 10 ONA, WV 25545 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 6.72% |
| MELODY WOLFE3 | 1051 MAIN STREET LUMBERPORT, WV 26386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $228 | — | $228 | 5.03% |
| MICHAEL DUANE WOLFE3 | 1051 MAIN STREET LUMBERPORT, WV 26386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.77% |
| JOHNSTONE INSURANCE SERVICES LLC3 Filed as: JOHNSTONE INSURANCE SERVICES, LLC | 706 OLIVE STREET PITTSBURGH, PA 15237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.20% |
| CHRISTOPHER KELLAR3 | ROUTE 3 BOX 130 SHINNSTON, WV 26431 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.09% |
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 | 519 | 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) | 519 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 240 | $94K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 474 | $90K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 484 | $84K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 474 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 484 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.