No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HARRIS, HARDIN & COMPANY, A.C. EIN 55-0756523 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 8417 US ROUTE 60 SUITE 13 BARBOURSVILLE, WV 25504 | $22K |
| STANDARD VALUATIONS EIN 41-1327339 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | 790 CLEVELAND AVENUE ST. PAUL, MN 55116 | $15K |
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 | 4,791 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,791 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH | 700 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 700 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.