| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $45K | $7K | $52K | 20.57% |
| USI INSURANCE SERVICES LLC3 | ONE HILLCREST DRIVE EAST CHARLESTON, WV 25311 | DELTA DENTAL OF WEST VIRGINIA | $2K | $0 | $2K | 0.97% |
| USI INSURANCE SERVICES LLC3 | 1 HILLCREST DRIVE EAST, SUITE 300 CHARLESTON, WV 25311 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.51% |
| MJ INSURANCE3 Filed as: BRANDON L MILLER AND VARIOUS AGENTS | 5852 EMPIRE MILLS RUN CANAL WINCHESTER, OH 43110 | AFLAC | $3K | $47 | $3K | 6.25% |
| USI INSURANCE SERVICES LLC3 | 1 HILLCREST DRIVE EAST CHARLESTON, WV 25311 | AFLAC | $2K | $0 | $2K | 3.59% |
| ZACHARY DUNHAM3 Filed as: ZACHARY J DUNHAM | 117 DEER VALLEY DRIVE HURRICANE, WV 25526 | AFLAC | $1K | $234 | $2K | 3.04% |
| CHARLES E MCNEIL3 | 817 SCOTT DEPOT ROAD SCOTT DEPOT, WV 25560 | AFLAC | $684 | $0 | $684 | 1.34% |
| E. HERMAN LYNCH JR.3 Filed as: E HERMAN LYNCH JR | PO BOX 763 GALLIPOLIS, OH 45631 | AFLAC | $570 | $0 | $570 | 1.12% |
| RONAL G. LYNCH3 Filed as: RONAL G LYNCH | PO BOX 763 GALLIPOLIS, OH 45631 | AFLAC | $479 | $0 | $479 | 0.94% |
| CHRISTOPHER SMITH3 | 19 OLD CROW DRIVE BARBOURSVILLE, WV 25504 | AFLAC | $411 | $47 | $458 | 0.90% |
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 | 440 | 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) | 440 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WEST VIRGINIA | 969 | $164K |
| Vision | VISION SERVICE PLAN | 277 | $107K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 440 | $254K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 440 | $254K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 440 | $305K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 969 | — |
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.
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.