| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH H DEACON3 | 1546 VIRGINIA STREET E CHARLESTON, WV 25311 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 7.16% |
| STANLEY DOUGLAS GILLESPIE3 | 1228 NORTH 164TH STREET OMAHA, NE 68118 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.00% |
| JOSEPH H DEACON II3 Filed as: JOSEPH DEACON | PO BOX 2821 CHARLESTON, WV 25330 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.06% |
| BRETT MICHELLE HAMILTON3 | PO BOX 6398 CHARLESTON, WV 25362 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $360 | — | $360 | 0.89% |
| LINDA S SHINN3 | 317 CHURCH ST PADEN CITY, WI 26159 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $327 | — | $327 | 0.81% |
| ALAN ROSENBERGER3 | 13 PHAROAHS RUN RD RIVESVILLE, WV 26588 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $208 | — | $208 | 0.51% |
| DANIELLE ELLIS3 | 5949 SISSONVILLE DRIVE CHARLESTON, WV 25312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.10% |
| NICOLE A BLOUNT3 | 158 REBEKAH LN CHARLESTON, WV 25312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
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 | 181 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 181 | $57K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 181 | $57K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 181 | $97K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 47 | $40K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 181 | $57K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 181 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.