| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES F BAILEY3 Filed as: JAMES BAILEY | 7 OAK LANE BLUEFIELD, WV 24701 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 6.15% |
| JAMES F BAILEY3 Filed as: JAMES F. BAILEY | 7 OAK LANE BLUEFIELD, WV 24701 | AFLAC | $4K | — | $4K | 19.62% |
| LORIN H ALBIN3 | 6315 BOULDER TRAIL DRIVE APT 101-1 ROANOKE, VA 24019 | AFLAC | $2K | $159 | $2K | 9.26% |
| REBECCA J GIBSON3 | 106 CIRCLE DRIVE PRINCETON, WV 24740 | AFLAC | $2K | — | $2K | 8.88% |
| KEVIN L MARTIN3 | 1534 LINKS VIEW DRIVE SALEM, VA 24153 | AFLAC | $486 | — | $486 | 2.29% |
| APRIL BROOKS3 | 172 LANCE STREET PRINCETON, WV 24740 | AFLAC | $416 | — | $416 | 1.96% |
| MATTHEW JAMIEL ALLEN3 | 5515 GALLOWAY CIRCLE ROANOKE, VA 24018 | AFLAC | $259 | — | $259 | 1.22% |
| RAY EDWIN MAY3 | PO BOX 264 ATHENS, WV 24712 | AFLAC | $225 | — | $225 | 1.06% |
| INNOVATIVE INSURANCE SOLUTIONS LLC3 Filed as: INNOVATIVE INS SOLUTIONS LLC | 5036 WASHINGTON STREET W CHARLESTON, WV 25313 | AFLAC | $16 | — | $16 | 0.08% |
| CHARLES A HUTCHINSON3 | 2795 ROBERT C BYRD DRIVE BECKLEY, WV 25801 | AFLAC | $12 | — | $12 | 0.06% |
| THOMAS E BAKER III3 | 82 SHENANDOAH DRIVE SUMMERSVILLE, WV 26651 | AFLAC | $4 | — | $4 | 0.02% |
| BRANDON L MILLER3 | 5852 EMPIRE MILLS RUN CANAL WINCHESTER, OH 43110 | AFLAC | $3 | — | $3 | 0.01% |
| REBECCA J GIBSON3 | 106 CIRCLE DRIVE PRINCETON, WV 24740 | AFLAC | $562 | — | $562 | 12.20% |
| JAMES F BAILEY3 | 7 OAK LANE BLUEFIELD, WV 24701 | AFLAC | $530 | — | $530 | 11.51% |
| LORIN ALBIN3 Filed as: LORIN J ALBIN | 6315 BOULDER TRAIL DRIVE APT 101-1 ROANOKE, VA 24019 | AFLAC | $452 | — | $452 | 9.82% |
| KEVIN L MARTIN3 | 1534 LINKS VIEW DRIVE SALEM, VA 24153 | AFLAC | $107 | — | $107 | 2.32% |
| CHARLES A HUTCHINSON3 | 2795 ROBERT C BYRD DRIVE BECKLEY, WV 25801 | AFLAC | $9 | — | $9 | 0.20% |
| BRANDON L MILLER3 | 5852 EMPIRE MILLS RUN CANAL WINCHESTER, OH 43110 | AFLAC | $3 | — | $3 | 0.07% |
| AMANDA R ANDERSON3 | PO BOX 82 SMOOT, WV 24977 | AFLAC | $3 | — | $3 | 0.07% |
| THOMAS E BAKER III3 | 82 SHENANDOAH DRIVE SUMMERSVILLE, WV 26651 | AFLAC | $3 | — | $3 | 0.07% |
| JAMES F BAILEY3 | 7 OAK LANE BLUEFIELD, WV 24701 | AFLAC | $802 | — | $802 | 19.56% |
| LORIN ALBIN3 Filed as: LORIN J ALBIN | 6315 BOULDER TRAIL DRIVE APT 101-1 ROANOKE, VA 24019 | AFLAC | $587 | — | $587 | 14.31% |
| REBECCA J GIBSON3 | 106 CIRCLE DRIVE PRINCETON, WV 24740 | AFLAC | $283 | — | $283 | 6.90% |
| KEVIN L MARTIN3 | 1534 LINKS VIEW DRIVE SALEM, VA 24153 | AFLAC | $98 | — | $98 | 2.39% |
| RAY EDWIN MAY3 | PO BOX 264 ATHENS, WV 24712 | AFLAC | $43 | — | $43 | 1.05% |
| MEGAN BROOKS3 | 1713 S 4TH STREET IRONTON, OH 45638 | AFLAC | $6 | — | $6 | 0.15% |
| BRANDON L MILLER3 | 5852 EMPIRE MILLS RUN CANAL WINCHESTER, OH 43110 | AFLAC | $4 | — | $4 | 0.10% |
| CHRISTOPHER SMITH3 | 19 OLD CROW DRIVE BARBOURSVILLE, WV 25504 | AFLAC | $4 | — | $4 | 0.10% |
| ZACHARY DUNHAM3 Filed as: ZACHARY J DUNHAM | 117 DEER VALLEY DRIVE HURRICANE, WV 25526 | AFLAC | $3 | — | $3 | 0.07% |
| LESLIE T CUMPTAN3 | 4 ABBEY LANE BIRMINGHAM, AL 35226 | AFLAC | $2 | — | $2 | 0.05% |
| LESLIE T CUMPTAN3 | 8 RIVERWALK DRIVE ONA, WV 25545 | AFLAC | $1 | — | $1 | 0.02% |
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 | 113 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 224 | $51K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 224 | $51K |
| Short-term disability(3 contracts) | AFLAC | 40 | $30K |
| Long-term disability(3 contracts) | AFLAC | 40 | $30K |
| Stop-loss / reinsurancereinsurance | GREAT MIDWEST INSURANCE CO | 113 | $195K |
| Other(3 contracts) | AFLAC | 40 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.