| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL WHITE3 | 340 MACCORCKLE AVE SE CHARLESTON, WV 25314 | HIGHMARK WEST VIRGINIA | $40K | — | $40K | 0.98% |
| CAROL A LOEW3 | 594 NATIONAL RD WHEELING, WV 26003 | HIGHMARK WEST VIRGINIA | $9K | — | $9K | 0.21% |
| CORNERSTONE BENEFITS LLC3 Filed as: CORNERSTONE GROUP LLC | 594 NATIONAL RD WHEELING, WV 26003 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $3K | $12K | 6.76% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD STE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 8.75% |
| CORNERSTONE BENEFITS LLC3 Filed as: CORNERSTONE GROUP LLC | 594 NATIONAL RD WHEELING, WV 26003 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.41% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WV LLC | 340 MACCORCKLE AVE SE CHARLESTON, WV 25314 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $615 | — | $615 | 0.75% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD STE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 8.76% |
| CORNERSTONE BENEFITS LLC3 Filed as: CORNERSTONE GROUP LLC | 594 NATIONAL RD WHEELING, WV 26003 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 6.89% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WV LLC | 340 MACCORCKLE AVE SE CHARLESTON, WV 25314 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.86% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD STE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 8.76% |
| CORNERSTONE BENEFITS LLC3 Filed as: CORNERSTONE GROUP LLC | 594 NATIONAL RD WHEELING, WV 26003 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.62% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WV LLC | 340 MACCORCKLE AVE SE CHARLESTON, WV 25314 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $502 | — | $502 | 1.56% |
| PAUL WHITE3 | 340 MACCORCKLE AVE SE CHARLESTON, WV 25314 | HIGHMARK WEST VIRGINIA | $550 | — | $550 | 2.75% |
| CAROL A LOEW3 | 594 NATIONAL RD WHEELING, WV 26003 | HIGHMARK WEST VIRGINIA | $50 | — | $50 | 0.25% |
| CORNERSTONE BENEFITS LLC3 Filed as: CORNERSTONE GROUP LLC | 594 NATIONAL RD WHEELING, WV 26003 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $599 | — | $599 | 8.44% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WV LLC | 340 MACCORCKLE AVE SE CHARLESTON, WV 25314 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $466 | — | $466 | 6.57% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD STE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $200 | $200 | 2.82% |
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 | 387 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 387 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK WEST VIRGINIA | 572 | $4.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 517 | $175K |
| Vision | HIGHMARK WEST VIRGINIA | 572 | $20K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 387 | $32K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 387 | $32K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 387 | $54K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 387 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 572 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.