| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ECIS, INC.3 | 3150 U S ROUTE 60 ONA, WV 25701 | FORT DEARBORN LIFE INSURANCE COMPANY | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS EIN 31-1440175 NONE | Claims processing Service code 12 | 220 VIRGINIA AVENUE INDIANAPOLIS, IN 46204 | $1.3M |
| MULTI-EMPLOYER PROPERTY TRUST EIN 52-6218800 NONE | Investment management fees paid directly by plan Service code 51 | — | $96K |
| ZACK'S INVESTMENT MANAGEMENT EIN 36-3792197 NONE | Investment management Service code 28 | 111 NORTH CANAL STREET CHICAGO, IL 60606 | $60K |
| CS MCKEE, LP EIN 25-1900687 NONE | Investment management Service code 28 | P. O. BOX 6022 HERMITAGE, PA 161481022 | $47K |
| HARRIS, HARDIN & COMPANY, A.C. EIN 55-0756523 NONE | Accounting (including auditing) Service code 10 | 404 NINTH STREET HUNTINGTON, WV 25701 | $43K |
| AMERICAN BENEFIT CORPORATION EIN 55-0572859 NONE | Consulting (general) Service code 16 | 3150 U S ROUTE 60 ONA, WV 25545 | $28K |
| CHARTWELL INVESTMENT MANAGEMENT EIN 23-2891243 NONE | Investment management Service code 28 | 1235 WESTLAKE DRIVE BERWYN, PA 19312 | $25K |
| STATE STREET GLOBAL ADVISORS EIN 04-1867445 NONE | Investment management fees paid directly by plan Service code 51 | P. O. BOX 5488 BOSTON, MA 022065488 | $25K |
| STANDARD VALUATIONS EIN 41-1327339 NONE | Investment advisory (plan) Service code 27 | 790 CLEVELAND AVENUE, SOUTH ST. PAUL, MN 55116 | $21K |
| UNITED ACTUARIAL SERVICES EIN 35-2156428 NONE | Actuarial Service code 11 | 11590 NORTH MERIDIAN STREET CARMEL, IN 46032 | $17K |
| BARRETT, CHAFIN, LOWRY & AMOS EIN 55-0580200 NONE | Legal Service code 29 | 636 FOURTH AVENUE HUNTINGTON, WV 25701 | $7K |
| UNITED BANK EIN 55-1074313 NONE | Custodial (securities) Service code 19 | 500 VIRGINIA STREET EAST CHARLESTON, WV 25322 | $5K |
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 | 1,656 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 429 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,092 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | FORT DEARBORN LIFE INSURANCE COMPANY | 1,750 | $0 |
| Other | FORT DEARBORN LIFE INSURANCE COMPANY | 1,750 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,750 | — |
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."
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.