| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL WHITE | 340 MACCORKLE AVE, STE 200 CHARLESTON, WV 25314 | HIGHMARK WEST VIRGINIA | $275K | — | $275K | 1.58% |
| CAROL A LOEW | 594 NATIONAL RD WHEELING, WV 26003 | HIGHMARK WEST VIRGINIA | $35K | — | $35K | 0.20% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $3K | $17K | 8.52% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $3K | $12K | 6.76% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $3K | $8K | 6.90% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $2K | $5K | 8.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT PARTNERS - ALLIANT INC | 701 B ST FL 4 SAN DIEGO, CA 921018156 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $43 | $5K | 10.52% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $850 | $425 | $1K | 2.79% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $935 | $3K | 8.32% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $832 | $2K | 7.96% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $676 | $4K | 12.63% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $736 | $2K | 7.33% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $578 | $2K | 7.27% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $614 | $2K | 7.57% |
| CORNER STONE GROUP LLC | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $565 | $2K | 7.43% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $500 | $2K | 6.94% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $651 | $332 | $983 | 7.34% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $597 | $316 | $913 | 7.33% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $609 | $270 | $879 | 7.37% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $530 | $265 | $795 | 7.54% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $493 | $246 | $739 | 8.18% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $434 | $219 | $653 | 8.11% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $378 | $189 | $567 | 7.45% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $360 | $180 | $540 | 7.26% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $373 | $209 | $582 | 7.90% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $352 | $177 | $529 | 7.46% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $331 | $157 | $488 | 7.65% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $344 | $171 | $515 | 8.24% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $282 | $143 | $425 | 7.44% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $284 | $142 | $426 | 7.62% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $261 | $130 | $391 | 7.20% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $350 | $162 | $512 | 9.51% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $250 | $125 | $375 | 8.18% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $229 | $109 | $338 | 7.38% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $221 | $119 | $340 | 7.61% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $211 | $110 | $321 | 7.46% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $212 | $106 | $318 | 7.49% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $208 | $104 | $312 | 7.71% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $178 | $89 | $267 | 7.04% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $162 | $86 | $248 | 7.45% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $161 | $81 | $242 | 7.50% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $151 | $79 | $230 | 7.44% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $117 | $59 | $176 | 7.48% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $114 | $57 | $171 | 7.52% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $108 | $54 | $162 | 7.50% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $108 | $54 | $162 | 7.50% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $108 | $54 | $162 | 8.19% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $90 | $45 | $135 | 7.54% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $81 | $41 | $122 | 7.50% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $172 | $42 | $214 | 13.77% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $79 | $37 | $116 | 8.72% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $63 | $33 | $96 | 7.36% |
| CORNER STONE GROUP LLC3 | 594 NATIONAL RD WHEELING, WV 260036541 | METROPOLITAN LIFE INSURANCE COMPANY | $35 | $18 | $53 | 8.95% |
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 | 1,439 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,445 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK WEST VIRGINIA | 3,101 | $17.4M |
| Dental(50 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 517 | $1.0M |
| Vision | HIGHMARK WEST VIRGINIA | 3,101 | $17.4M |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 231 | $276K |
| Short-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 231 | $276K |
| Long-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 231 | $276K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 231 | $276K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,101 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.