| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES F BAILEY3 | 7 OAK LANE BLUEFIELD, WV 24701 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 6.19% |
| JAMES F BAILEY3 Filed as: JAMES F. BAILEY | 7 OAK LANE BLUEFIELD, WV 24701 | AFLAC | $2K | — | $2K | 8.41% |
| LORIN ALBIN3 Filed as: LORIN J ALBIN | 174 GRACY ST PRINCETON, WV 24739 | AFLAC | $2K | $4 | $2K | 7.39% |
| MATTHEW JAMIEL ALLEN3 | 3535 VERONA TRAIL ROANOKE, VA 24018 | AFLAC | $413 | — | $413 | 1.77% |
| JUDY L MCCULLOUGH3 | PO BOX 449 FOREST, VA 24551 | AFLAC | $222 | — | $222 | 0.95% |
| KEVIN L MARTIN3 | 1534 LINKS VIEW DR SALEM, VA 24153 | AFLAC | $95 | $4 | $99 | 0.42% |
| DEBBIE S COLLINS3 | 2945 GREEN HILL DR SALEM, VA 24153 | AFLAC | $30 | $17 | $47 | 0.20% |
| INNOVATIVE INSURANCE SOLUTIONS LLC3 Filed as: INNOVATIVE INS SOLUTIONS LLC | 113 GOFF MOUNTAIN ROAD STE 100 CHARLESTON, WV 25313 | AFLAC | $23 | — | $23 | 0.10% |
| CHARLES A HUTCHINSON3 | 2795 ROBERT C BYRD DRIVE BECKLEY, WV 25801 | AFLAC | $18 | — | $18 | 0.08% |
| REBECCA J GIBSON3 | 106 CIRCLE DR PRINCETON, WV 24740 | AFLAC | $17 | — | $17 | 0.07% |
| THOMAS E BAKER III3 | 82 SHENANDOAH DR SUMMERSVILLE, WV 26651 | AFLAC | $6 | — | $6 | 0.03% |
| BRANDON L MILLER3 | 5852 EMPIRE MILLS RUN CANAL WINCHESTER, OH 43110 | AFLAC | $5 | — | $5 | 0.02% |
| LORIN ALBIN3 Filed as: LORIN J ALBIN | 174 GRACY ST PRINCETON, WV 24739 | AFLAC | $1K | — | $1K | 17.79% |
| MATTHEW JAMIEL ALLEN3 | 3535 VERONA TRAIL ROANOKE, VA 24018 | AFLAC | $267 | — | $267 | 4.35% |
| JUDY L MCCULLOUGH3 | PO BOX 449 FOREST, VA 24551 | AFLAC | $159 | — | $159 | 2.59% |
| JAMES F BAILEY3 | 7 OAK LN BLUEFIELD, WV 24701 | AFLAC | $124 | — | $124 | 2.02% |
| BRANDON L MILLER3 Filed as: BRANDON MILLER | 5852 EMPIRE MILLS RUN CANAL WINCHESTER, OH 43110 | AFLAC | $7 | — | $7 | 0.11% |
| CHRISTOPHER SMITH3 | 19 OLD CROW DR BARBOURSVILLE, WV 25504 | AFLAC | $6 | — | $6 | 0.10% |
| LESLIE T CUMPTAN3 | 4 ABBEY LN BIRMINGHAM, AL 35226 | AFLAC | $5 | — | $5 | 0.08% |
| ZACHARY DUNHAM3 Filed as: ZACHARY J DUNHAM | 117 DEER VALLEY DRIVE HURRICANE, WV 25526 | AFLAC | $5 | — | $5 | 0.08% |
| KEVIN L MARTIN3 | 1534 LINKS VIEW DR SALEM, VA 24153 | AFLAC | $5 | — | $5 | 0.08% |
| MEGAN BROOKS3 | 1713 S 4TH ST IRONTON, OH 45638 | AFLAC | $1 | — | $1 | 0.02% |
| LORIN ALBIN3 Filed as: LORIN J. ALBIN | 174 GRACY ST PRINCETON, WV 24739 | AFLAC | $591 | — | $591 | 11.09% |
| JAMES F BAILEY3 | 7 OAK LN BLUEFIELD, WV 24701 | AFLAC | $194 | — | $194 | 3.64% |
| JUDY L MCCULLOUGH3 | PO BOX 449 FOREST, VA 24551 | AFLAC | $82 | — | $82 | 1.54% |
| MATTHEW JAMIEL ALLEN3 | 3535 VERONA TRL ROANOKE, VA 24018 | AFLAC | $32 | — | $32 | 0.60% |
| KEVIN L MARTIN3 | 1534 LINKS VIEW DR SALEM, VA 24153 | AFLAC | $19 | — | $19 | 0.36% |
| CHARLES A HUTCHINSON3 | 2795 ROBERT C BYRD DR BECKLEY, WV 25801 | AFLAC | $11 | — | $11 | 0.21% |
| REBECCA J GIBSON3 | 106 CIRCLE DR PRINCETON, WV 24740 | AFLAC | $7 | — | $7 | 0.13% |
| BRANDON L MILLER3 | 5852 EMPIRE MILLS RUN CANAL WINCHESTER, OH 43110 | AFLAC | $4 | — | $4 | 0.08% |
| THOMAS E BAKER III3 | 82 SHENANDOAH DR SUMMERSVILLE, WV 26651 | AFLAC | $4 | — | $4 | 0.08% |
| AMANDA R ANDERSON3 | 270 SKYLINE DR GLEN MORGAN, WV 25813 | AFLAC | $3 | — | $3 | 0.06% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 218 | $60K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 218 | $60K |
| Short-term disability(3 contracts) | AFLAC | 31 | $35K |
| Long-term disability(3 contracts) | AFLAC | 31 | $35K |
| Stop-loss / reinsurancereinsurance | UNITED STATES FIRE INSURANCE | 107 | $168K |
| Other(3 contracts) | AFLAC | 31 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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."
No prospect flags tripped on this filing.