| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WESBANCO INSURANCE SERVICES INC3 | 1350 EARL CORE RD MORGANTOWN, WV 26505 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $1K | $9K | 9.06% |
| HEALTHCARE REFORM ALTERNATIVES LLC3 | 2706 BAR HARBOUR CT LEWIS CENTER, OH 43035 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $768 | $3K | 2.65% |
| THOMAS STAEBLER3 Filed as: THOMAS, JAMES | 5451 ST ANDREWS DR WESTERVILLE, OH 43082 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $244 | $2K | 2.39% |
| BOYER, MICHAEL WILLIAM3 | 7587 HONDA HILL RD THORNVILLE, OH 43076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $502 | — | $502 | 0.49% |
| HAHN, DAVID B3 | 121 BECKETT COURT ST CLAIRSVILLE, OH 43950 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $320 | $14 | $334 | 0.33% |
| HEARNS, ROBERT CLINTON3 | 3821 BILL OF RIGHTS SQ COLUMBUS, OH 43207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $184 | $15 | $199 | 0.20% |
| REEVES, PAUL A3 | PO BOX 1041 MAN, WV 25635 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| WESBANCO INSURANCE SERVICES INC3 Filed as: WESBANCO INSURANCE SERVICES | 1350 EARL CORE ROAD MORGANTOWN, WV 26505 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | — |
| WISDA, NICK3 | 2196 TOWNSHIP RD 55 NEVEDA, OH 44849 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $272 | — | $272 | — |
| HOWELL, DWAINE3 | 79 LAKEVIEW DRIVE THORNVILLE, OH 43076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $122 | — | $122 | — |
| COX, BRENDA3 | 9661 REYNOLDS ROAD NEWARK, OH 43055 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | — | $16 | — |
| LESLIE, KENNETH3 | 1248 WESTHILL DRIVE COLUMBUS, OH 43213 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | — | $15 | — |
| HOWELL, DWAINE3 Filed as: HOWELL, KEVIN | 60 WEST COLUMBUS STREET THORNVILLE, OH 43076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | — | $11 | — |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability(2 contracts) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 149 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.