| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | ONE HILLCREST DRIVE EAST, SUITE 300 CHARLESTON, WV 25311 | DELTA DENTAL OF WEST VIRGINIA | $1K | $0 | $1K | 1.01% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $2K | $0 | $2K | 1.91% |
| USI INSURANCE SERVICES LLC3 | 1 HILLCREST DRIVE EAST, SUITE 300 CHARLESTON, WV 25311 | VISION SERVICE PLAN | $1K | $0 | $1K | 1.13% |
| ZACHARY DUNHAM3 Filed as: ZACHARY J. DUNHAM | 117 DEER VALLEY DRIVE HURRICANE, WV 25526 | AFLAC | $2K | $323 | $2K | 3.91% |
| USI INSURANCE SERVICES LLC3 | 1 HILLCREST DRIVE EAST CHARLESTON, WV 25311 | AFLAC | $2K | $58 | $2K | 3.48% |
| ASSUREDPARTNERS Filed as: ASSUREDPARTNERS AND OTHER AGENTS | 1 INSURANCE WAY ONA, WV 25545 | AFLAC | $2K | $0 | $2K | 3.26% |
| CHARLES E MCNEIL3 Filed as: CHARLES E. MCNEIL | 817 SCOTT DEPOT ROAD SCOTT DEPOT, WV 25560 | AFLAC | $559 | $0 | $559 | 1.16% |
| E. HERMAN LYNCH JR.3 | PO BOX 763 GALLIPOLIS, OH 45631 | AFLAC | $543 | $0 | $543 | 1.13% |
| RONAL G. LYNCH3 | PO BOX 763 GALLIPOLIS, OH 45631 | AFLAC | $469 | $0 | $469 | 0.97% |
| BRANDON L MILLER3 Filed as: BRANDON L. MILLER | 5852 EMPIRE MILLS RUN CANAL WINCHESTER, OH 43110 | AFLAC | $333 | $58 | $391 | 0.81% |
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 | 317 | 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) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WEST VIRGINIA | 717 | $132K |
| Vision | VISION SERVICE PLAN | 224 | $95K |
| Other | AFLAC | 58 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 717 | — |
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.