| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | DELTA DENTAL OF WEST VIRGINIA | $950 | $0 | $950 | 0.53% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 4TH FLOOR SAN DIEGO, CA 92101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $12K | $22K | 12.34% |
| BENEFIT ADVISORS SVCS GRP LLC3 Filed as: BENEFIT ADVISORS SVCS GROUP, LLC | 1501 REEDSDALE STREET SUITE 403 PITTSBURGH, PA 15233 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | $0 | $21K | 11.85% |
| USI INSURANCE SERVICES LLC3 | 1 HILLCREST DRIVE EAST CHARLESTON, WV 25311 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.53% |
| BRANDON CLINE3 Filed as: BRANDON L. MILLER AND OTHER AGENTS | 320 9TH STREET, SUITE 200 HUNTINGTON, WV 25701 | AFLAC | $3K | $228 | $3K | 6.64% |
| USI INSURANCE SERVICES LLC3 | 1 HILLCREST DRIVE EAST CHARLESTON, WV 25311 | AFLAC | $1K | $0 | $1K | 3.43% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WEST VIRGINIA | 1 INSURANCE WAY ONA, WV 25545 | AFLAC | $984 | $0 | $984 | 2.28% |
| CHRISTOPHER SMITH3 | 19 OLD CROW DRIVE BARBOURSVILLE, WV 25504 | AFLAC | $632 | $314 | $946 | 2.19% |
| ZACHARY DUNHAM3 | 320 9TH STREET, SUITE 200 HUNTINGTON, WV 25701 | AFLAC | $550 | $193 | $743 | 1.72% |
| ZACHARY DUNHAM3 Filed as: ZACHARY J. DUNHAM | 117 DEER VALLEY DRIVE HURRIACANE, WV 25526 | AFLAC | $586 | $88 | $674 | 1.56% |
| CHARLES E MCNEIL3 Filed as: CHARLES E. MCNEIL | 817 SCOTT DEPOT ROAD SCOTT DEPOT, WV 25560 | AFLAC | $608 | $0 | $608 | 1.41% |
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 | 441 | 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) | 441 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WEST VIRGINIA | 1,202 | $179K |
| Vision | VISION SERVICE PLAN | 274 | $105K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 441 | $176K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 441 | $176K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 441 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,202 | — |
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.