| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON M DAVIS3 | 203 GREEN OAK DR HUNTINGTON, WV 257053719 | MASS MUTUAL LIFE INSURANCE COMPANY | $238 | — | $238 | — |
| EMERSON M DAVIS3 Filed as: EMERSON M DAVIS, JR | 5257 IRWIN RD HUNTINGTON, WV 25705 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | — |
| DAVIS EMERSON M3 | 203 GREEN OAK DR HUNTINGTON, WV 25705 | MASSACHUSETTS MUTUAL LIFE INS COMPANY | $46 | — | $46 | — |
| VANEPEREN, JAMES MICHAEL3 | 6500 ROCK SPRING DR STE 400 BETHESDA, MD 20817 | MASSACHUSETTS MUTUAL LIFE INS COMPANY | $13 | — | $13 | — |
| EMERSON M DAVIS3 | 203 GREEN OAK DR HUNTINGTON, WV 25701 | MASS MUTUAL LIFE INSURANCE COMPANY | $13K | — | $13K | — |
| GEORGE KINIGOPOULOS3 | 530 GAITHER RD STE 350 ROCKVILLE, MD 20850 | MASS MUTUAL LIFE INSURANCE COMPANY | $1K | $2K | $3K | — |
| JAMES M VANEPEREN3 | 6500 ROCK SPRING DR STE 400 BETHESDA, MD 20817 | MASS MUTUAL LIFE INSURANCE COMPANY | $329 | — | $329 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KESTRA INVESTMENT SERVICES NONE | Investment management fees paid directly by plan Service code 51 | 120 VANTIS SUITE 400 ALISO VIEJO, CA 92656 | $77K |
| HESS STEWART & CAMPBELL, PLLC EIN 55-0657218 NONE | Accounting (including auditing) Service code 10 | — | $15K |
| ACTUARIAL BENEFITS & DESIGN CO., IN EIN 54-1521351 NONE | Recordkeeping fees; Consulting (pension); Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $12K |
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 | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(4 contracts, 3 carriers) | MASS MUTUAL LIFE INSURANCE COMPANY | 119 | $0 |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 167 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.