| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEACON & DEACON INS & BEN CONSULT3 | 1210 KANAWHA BLVD E CHARLESTON, WV 253012955 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 9.97% |
| THE CASON GROUP INC3 Filed as: CASON GROUP, INC (THE) | 1612 MARION ST COLUMBIA, SC 292012939 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 5.22% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, INC. | 1612 MARION ST COLUMBIA, SC 29201 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 20.97% |
| JOSEPH H DEACON3 Filed as: JOSEPH H DEACON III | 1546 VIRGINIA ST E CHARLESTON, WV 253112412 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 11.64% |
| BRUCE M HUSSON3 | 200 50TH ST CHARLESTON, WV 25304 | TRANSAMERICA LIFE INSURANCE COMPANY | $810 | $0 | $810 | 2.34% |
| CAROLJANE C ALLEN3 | 3517 CROSSINGS WAY MIDLOTHIAN, VA 23113 | TRANSAMERICA LIFE INSURANCE COMPANY | $750 | $0 | $750 | 2.17% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $269 | $0 | $269 | 0.78% |
| DEACON & DEACON INS & BEN CONSULT3 | PO BOX 2831 CHARLESTON, WV 25330 | TRANSAMERICA LIFE INSURANCE COMPANY | $133 | $0 | $133 | 0.38% |
| WILLIAM JUDGE JR3 | 2023 BAY STREET BRISTOL, TN 37620 | TRANSAMERICA LIFE INSURANCE COMPANY | $39 | $0 | $39 | 0.11% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 299 | $96K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 299 | $96K |
| Life insurance | TRANSAMERICA LIFE INSURANCE COMPANY | 318 | $35K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 318 | $35K |
| Other | TRANSAMERICA LIFE INSURANCE COMPANY | 318 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.