| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES F BAILEY3 | 7 OAK LANE BLUEFIELD, WV 24701 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.84% |
| JAMES F BAILEY3 Filed as: JAMES F. BAILEY | 7 OAK LANE BLUEFIELD, WV 24701 | AFLAC | $603 | — | $603 | 3.83% |
| LORIN ALBIN3 Filed as: LORIN J ALBIN | 174 GRACY ST PRINCETON, WV 24739 | AFLAC | $351 | — | $351 | 2.23% |
| KEVIN L MARTIN3 | 1534 LINKS VIEW DR SALEM, VA 24153 | AFLAC | $70 | — | $70 | 0.44% |
| MATTHEW JAMIEL ALLEN3 | 3535 VERONA TRAIL ROANOKE, VA 24018 | AFLAC | $56 | — | $56 | 0.36% |
| REBECCA J GIBSON3 | 106 CIRCLE DRIVE PRINCETON, WV 24740 | AFLAC | $55 | — | $55 | 0.35% |
| JUDY L MCCULLOUGH3 | PO BOX 449 FOREST, VA 24551 | AFLAC | $36 | — | $36 | 0.23% |
| INNOVATIVE INSURANCE SOLUTIONS LLC3 Filed as: INNOVATIVE INS SOLUTIONS LLC | 113 GOFF MOUNTAIN ROAD STE 100 CHARLESTON, WV 25313 | AFLAC | $23 | — | $23 | 0.15% |
| CHARLES A HUTCHINSON3 | 2795 ROBERT C BYRD DRIVE BECKLEY, WV 25801 | AFLAC | $18 | — | $18 | 0.11% |
| THOMAS E BAKER III3 | 82 SHENANDOAH DR SUMMERSVILLE, WV 26651 | AFLAC | $6 | — | $6 | 0.04% |
| BRANDON L MILLER3 | 5852 EMPIRE MILLS RUN CANAL WINCHESTER, OH 43110 | AFLAC | $5 | — | $5 | 0.03% |
| LORIN ALBIN3 Filed as: LORIN J. ALBIN | 174 GRACY ST PRINCETON, WV 24739 | AFLAC | $1K | $66 | $1K | 15.66% |
| DEBBIE S COLLINS3 | 2945 GREEN HILL DR SALEM, VA 24153 | AFLAC | $453 | — | $453 | 5.26% |
| JUDY L MCCULLOUGH3 | PO BOX 449 FOREST, VA 24551 | AFLAC | $350 | $15 | $365 | 4.24% |
| JAMES F BAILEY3 | 7 OAK LN BLUEFIELD, WV 24701 | AFLAC | $70 | — | $70 | 0.81% |
| MATTHEW JAMIEL ALLEN3 | 3535 VERONA TRL ROANOKE, VA 24018 | AFLAC | $8 | $4 | $12 | 0.14% |
| REBECCA J GIBSON3 | 106 CIRCLE DR PRINCETON, WV 24740 | AFLAC | $9 | — | $9 | 0.10% |
| KEVIN L MARTIN3 | 1534 LINKS VIEW DR SALEM, VA 24153 | AFLAC | $7 | — | $7 | 0.08% |
| LORIN ALBIN3 Filed as: LORIN J ALBIN | 174 GRACY ST PRINCETON, WV 24739 | AFLAC | $189 | $119 | $308 | 7.41% |
| MATTHEW JAMIEL ALLEN3 | 3535 VERONA TRAIL ROANOKE, VA 24018 | AFLAC | $70 | $28 | $98 | 2.36% |
| JUDY L MCCULLOUGH3 | PO BOX 449 FOREST, VA 24551 | AFLAC | $47 | $27 | $74 | 1.78% |
| JAMES F BAILEY3 | 7 OAK LN BLUEFIELD, WV 24701 | AFLAC | $16 | — | $16 | 0.38% |
| BRANDON L MILLER3 Filed as: BRANDON MILLER | 5852 EMPIRE MILLS RUN CANAL WINCHESTER, OH 43110 | AFLAC | $7 | — | $7 | 0.17% |
| CHRISTOPHER SMITH3 | 19 OLD CROW DR BARBOURSVILLE, WV 25504 | AFLAC | $6 | — | $6 | 0.14% |
| LESLIE T CUMPTAN3 | 4 ABBEY LN BIRMINGHAM, AL 35226 | AFLAC | $5 | — | $5 | 0.12% |
| ZACHARY DUNHAM3 Filed as: ZACHARY J DUNHAM | 117 DEER VALLEY DRIVE HURRICANE, WV 25526 | AFLAC | $4 | — | $4 | 0.10% |
| MEGAN BROOKS3 | 1713 S 4TH ST IRONTON, OH 45638 | AFLAC | $3 | — | $3 | 0.07% |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| 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 | 218 | $51K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 218 | $51K |
| Short-term disability(3 contracts) | AFLAC | 20 | $29K |
| Long-term disability(3 contracts) | AFLAC | 20 | $29K |
| Stop-loss / reinsurancereinsurance | PAN AMERICA | 112 | $162K |
| Other(3 contracts) | AFLAC | 20 | $29K |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.