| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 400 HIGHWAY 169 SOUTH, 8TH FLOOR SAINT LOUIS PARK, MN 55426 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $140K | $0 | $140K | 3.03% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVENUE, 1ST FLOOR FLORHAM PARK, NJ 07932 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.37% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVENUE, 1ST FLOOR FLORHAM PARK, NJ 07932 | AFLAC | $1K | $0 | $1K | 6.66% |
| CRYSTAL L MARTIN3 Filed as: CRYSTAL L. MARTIN AND OTHER AGENTS | 57 LAVISTA DRIVE MORGANTOWN, WV 26508 | AFLAC | $766 | $0 | $766 | 4.89% |
| CRYSTAL L MARTIN3 Filed as: CRYSTAL L. MARTIN | 58 WATERSIDE DRIVE MORGANTOWN, WV 26508 | AFLAC | $528 | $161 | $689 | 4.40% |
| THOMAS J. MCCORD3 | 10 SCOTT AVENUE MORGANTOWN, WV 26508 | AFLAC | $508 | $27 | $535 | 3.41% |
| RYAN H. DALTON3 | 57 LAVISTA DRIVE MORGANTOWN, WV 26508 | AFLAC | $484 | $0 | $484 | 3.09% |
| USI INSURANCE SERVICES LLC3 | 190 RIVER ROAD, SUITE 101 SUMMIT, NJ 07901 | AFLAC | $83 | $0 | $83 | 0.53% |
| USI INSURANCE SERVICES LLC3 | 6 CANYON ROAD, SUITE 100 MORGANTOWN, WV 26508 | AFLAC | $54 | $0 | $54 | 0.34% |
| DAN MOORE3 | 8792 NORTH CLUBHOUSE LANE EAGLE MOUNTAIN, UT 84005 | AFLAC | $804 | $0 | $804 | 8.22% |
| KENNITH L. COTE3 | 11056 SILICA ROAD NORTH JACKSON, OH 44451 | AFLAC | $251 | $0 | $251 | 2.57% |
| THOMAS J. MCCORD3 | 10 SCOTT AVENUE MORGANTOWN, WV 26508 | AFLAC | $242 | $0 | $242 | 2.47% |
| MJ INSURANCE3 Filed as: MARSHA L. ECHOLS AND VARIOUS AGENTS | PO BOX 594 THATCHER, AZ 85552 | AFLAC | $188 | $0 | $188 | 1.92% |
| KAREN K. BLISS3 | PO BOX 871 PRICE, UT 84501 | AFLAC | $114 | $0 | $114 | 1.17% |
| CLINT WEIGHT3 | 745 SOUTH 180 WEST SALEM, UT 84653 | AFLAC | $91 | $0 | $91 | 0.93% |
| DAMON R STREETMAN3 Filed as: DAMON R. STREETMAN | 5894 WEST WILDFLOWER COURT HIGHLAND, UT 84003 | AFLAC | $47 | $0 | $47 | 0.48% |
| THOMAS J. MCCORD3 | 10 SCOTT AVENUE MORGANTOWN, WV 26508 | AFLAC | $124 | $6 | $130 | 2.93% |
| MJ INSURANCE3 Filed as: RPM LTD AND VARIOUS AGENTS | PO BOX 484 BLOOMINGDALE, GA 31302 | AFLAC | $86 | $6 | $92 | 2.07% |
| MARY STEWART3 Filed as: MARY L. STEWART | 71 COPPERHEAD LANE FAIRMONT, WV 26554 | AFLAC | $69 | $0 | $69 | 1.55% |
| LEIGH ANN KERSTING3 | 48 DONLEY STREET, SUITE 703 MORGANTOWN, WV 26501 | AFLAC | $58 | $0 | $58 | 1.31% |
| KAREN ANTOINET YOUNG3 | 83 NUTT AVENUE UNIONTOWN, PA 15401 | AFLAC | $30 | $28 | $58 | 1.31% |
| CHARLES HUGH MACKAY3 | 18250 142ND AVENUE NE WOODINVILLE, WA 98072 | AFLAC | $33 | $0 | $33 | 0.74% |
| BISSELL ENTERPRISES INC3 Filed as: BISSELL ENTERPRISES INC. | 7540 WINDSOR DRIVE, SUITE 306 ALLENTOWN, PA 18195 | AFLAC | $28 | $0 | $28 | 0.63% |
| CRYSTAL L MARTIN3 Filed as: CRYSTAL L. MARTIN | 57 LAVISTA DRIVE MORGANTOWN, WV 26508 | AFLAC | $156 | $0 | $156 | 4.59% |
| CRYSTAL L MARTIN3 Filed as: CRYSTAL L. MARTIN | 58 WATERSIDE DRIVE MORGANTOWN, WV 26508 | AFLAC | $125 | $0 | $125 | 3.68% |
| THOMAS J. MCCORD3 | 10 SCOTT AVENUE MORGANTOWN, WV 26508 | AFLAC | $81 | $0 | $81 | 2.38% |
| BETH A RICHARDSON3 Filed as: BETH A. RICHARDSON AND OTHER AGENTS | 899 FLEMING AVENUE FAIRMONT, WV 26554 | AFLAC | $50 | $0 | $50 | 1.47% |
| RYAN DREBING3 Filed as: RYAN A. DREBING | 2112 NORTH ROAN STREET, SUITE 702 JOHNSON CITY, TN 37601 | AFLAC | $32 | $0 | $32 | 0.94% |
| JERALD D. BARNETTE3 | 197 STATE LINE DRIVE GRANTSVILLE, MD 21536 | AFLAC | $26 | $0 | $26 | 0.76% |
| USI INSURANCE SERVICES LLC3 | 6 CANYON ROAD, SUITE 100 MORGONTOWN, WV 26508 | AFLAC | $24 | $0 | $24 | 0.71% |
| ALEXIE JO CILENSEK3 | 336 A STREET ROCK SPRINGS, WY 82901 | AFLAC | $67 | $16 | $83 | 4.21% |
| DEANNA M CHRISTENSEN3 Filed as: DEANNA M. CHRISTENSEN | PO BOX 2175 ROCK SPRINGS, WY 82902 | AFLAC | $46 | $3 | $49 | 2.49% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVENUE, 1ST FLOOR FLORHAM PARK, NJ 07932 | AFLAC | $45 | $0 | $45 | 2.28% |
| TIFFANY ANN MONK3 | 140 UINTA DRIVE GREEN RIVER, WY 82935 | AFLAC | $29 | $0 | $29 | 1.47% |
| BEN JENKINS3 | 768 RANGER DRIVE CHEYENNE, WY 82009 | AFLAC | $23 | $3 | $26 | 1.32% |
| THOMAS J. MCCORD3 | 10 SCOTT AVENUE MORGANTOWN, WV 26508 | AFLAC | $15 | $0 | $15 | 0.76% |
| SOUTHWEST BENEFITS AND OTHER AGENTS3 | 350 HILLCREST WAY GREEN RIVER, WY 82935 | AFLAC | $12 | $0 | $12 | 0.61% |
| THOMAS J. MCCORD3 | 10 SCOTT AVENUE MORGANTOWN, WV 26508 | AFLAC | $43 | $0 | $43 | 2.45% |
| CHARLES HUGH MACKAY3 | 18250 142ND AVENUE NE WOODINVILLE, WA 98072 | AFLAC | $40 | $0 | $40 | 2.28% |
| LEIGH ANN KERSTING3 | 48 DONLEY STREET, SUITE 703 MORGANTOWN, WV 26501 | AFLAC | $28 | $0 | $28 | 1.60% |
| JERALD D. BARNETTE3 | 197 STATE LINE DRIVE GRANTSVILLE, MD 21536 | AFLAC | $23 | $0 | $23 | 1.31% |
| WILLIAM R. ALLMAN3 | 822 MAPLE STREET BRIDGEPORT, WV 26330 | AFLAC | $22 | $0 | $22 | 1.25% |
| JULIE JOHNSON3 Filed as: JULIE K. JOHNSON AND OTHER AGENTS | 188 SOUTH CLEVELAND AVENUE MOGADORE, OH 44260 | AFLAC | $16 | $0 | $16 | 0.91% |
| RPM LTD3 | PO BOX 484 BLOOMINGDALE, GA 31302 | AFLAC | $6 | $0 | $6 | 0.34% |
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 | 341 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 529 | $4.6M |
| Vision | VISION SERVICE PLAN | 226 | $40K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 341 | $49K |
| Short-term disability | AFLAC | 3 | $2K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 341 | $47K |
| Prescription drug | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 529 | $4.6M |
| Other(8 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 341 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 529 | — |
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.