| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES F BAILEY3 | 7 OAK LANE BLUEFIELD, WV 24701 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.25% |
| JAMES F BAILEY3 Filed as: JAMES F. BAILEY | 7 OAK LANE BLUEFIELD, WV 24701 | AFLAC | $3K | — | $3K | 10.03% |
| LORIN ALBIN3 Filed as: LORIN J ALBIN | 174 GRACY ST PRINCETON, WV 24739 | AFLAC | $1K | $278 | $2K | 5.81% |
| REBECCA J GIBSON3 | 106 CIRCLE DRIVE PRINCETON, WV 24740 | AFLAC | $997 | $469 | $1K | 5.67% |
| KEVIN L MARTIN3 | 1534 LINKS VIEW DRIVE SALEM, VA 24153 | AFLAC | $345 | $167 | $512 | 1.98% |
| DEBBIE S COLLINS3 | 2945 GREEN HILL DR SALEM, VA 24153 | AFLAC | $217 | — | $217 | 0.84% |
| APRIL BROOKS3 | 172 LANCE STREET PRINCETON, WV 24740 | AFLAC | $201 | — | $201 | 0.78% |
| MATTHEW JAMIEL ALLEN3 | 5515 GALLOWAY CIRCLE ROANOKE, VA 24018 | AFLAC | $90 | $56 | $146 | 0.56% |
| INNOVATIVE INSURANCE SOLUTIONS LLC3 Filed as: INNOVATIVE INS SOLUTIONS LLC | 113 GOFF MOUNTAIN ROAD CHARLESTON, WV 25313 | AFLAC | $25 | — | $25 | 0.10% |
| CHARLES A HUTCHINSON3 | 2795 ROBERT C BYRD DRIVE BECKLEY, WV 25801 | AFLAC | $19 | — | $19 | 0.07% |
| MATTHEW JAMIEL ALLEN3 | 3535 VERONA TRL ROANOKE, VA 24018 | AFLAC | $15 | — | $15 | 0.06% |
| THOMAS E BAKER III3 | 82 SHENANDOAH DRIVE SUMMERSVILLE, WV 26651 | AFLAC | $7 | — | $7 | 0.03% |
| BRANDON L MILLER3 | 5852 EMPIRE MILLS RUN CANAL WINCHESTER, OH 43110 | AFLAC | $5 | — | $5 | 0.02% |
| REBECCA J GIBSON3 | 106 CIRCLE DRIVE PRINCETON, WV 24740 | AFLAC | $279 | $118 | $397 | 9.62% |
| JAMES F BAILEY3 | 7 OAK LANE BLUEFIELD, WV 24701 | AFLAC | $323 | — | $323 | 7.83% |
| LORIN ALBIN3 Filed as: LORIN J ALBIN | 174 GRACY ST PRINCETON, WV 24739 | AFLAC | $182 | $39 | $221 | 5.36% |
| KEVIN L MARTIN3 | 1534 LINKS VIEW DRIVE SALEM, VA 24153 | AFLAC | $56 | $26 | $82 | 1.99% |
| CHARLES A HUTCHINSON3 | 2795 ROBERT C BYRD DRIVE BECKLEY, WV 25801 | AFLAC | $13 | — | $13 | 0.32% |
| BRANDON L MILLER3 | 5852 EMPIRE MILLS RUN CANAL WINCHESTER, OH 43110 | AFLAC | $5 | — | $5 | 0.12% |
| AMANDA R ANDERSON3 | 270 SKYLINE DRIVE GLEN MORGAN, WV 25813 | AFLAC | $4 | — | $4 | 0.10% |
| THOMAS E BAKER III3 | 82 SHENANDOAH DRIVE SUMMERSVILLE, WV 26651 | AFLAC | $4 | — | $4 | 0.10% |
| LORIN ALBIN3 Filed as: LORIN J ALBIN | 174 GRACY ST PRINCETON, WV 24739 | AFLAC | $120 | $42 | $162 | 8.67% |
| JAMES F BAILEY3 | 7 OAK LANE BLUEFIELD, WV 24701 | AFLAC | $137 | — | $137 | 7.33% |
| KEVIN L MARTIN3 | 1534 LINKS VIEW DRIVE SALEM, VA 24153 | AFLAC | $20 | $9 | $29 | 1.55% |
| REBECCA J GIBSON3 | 106 CIRCLE DRIVE PRINCETON, WV 24740 | AFLAC | $12 | — | $12 | 0.64% |
| MEGAN BROOKS3 | 1713 S 4TH STREET IRONTON, OH 45638 | AFLAC | $8 | — | $8 | 0.43% |
| BRANDON L MILLER3 | 5852 EMPIRE MILLS RUN CANAL WINCHESTER, OH 43110 | AFLAC | $7 | — | $7 | 0.37% |
| CHRISTOPHER SMITH3 | 19 OLD CROW DRIVE BARBOURSVILLE, WV 25504 | AFLAC | $6 | — | $6 | 0.32% |
| ZACHARY DUNHAM3 Filed as: ZACHARY J DUNHAM | 117 DEER VALLEY DRIVE HURRICANE, WV 25526 | AFLAC | $5 | — | $5 | 0.27% |
| LESLIE T CUMPTAN3 | 4 ABBEY LANE BIRMINGHAM, AL 35226 | AFLAC | $5 | — | $5 | 0.27% |
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 | 119 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 205 | $56K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 205 | $56K |
| Short-term disability(3 contracts) | AFLAC | 45 | $32K |
| Long-term disability(3 contracts) | AFLAC | 45 | $32K |
| Stop-loss / reinsurancereinsurance | UNITED STATES FIRE INSURANCE | 119 | $167K |
| Other(3 contracts) | AFLAC | 45 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.