| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 630 W GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | HIGHMARK WEST VIRGINIA | $14K | $0 | $14K | 0.87% |
| CHRISTOPHER ALLEN3 | PO BOX 958 PARKERSBURG, WV 26102 | HIGHMARK WEST VIRGINIA | $7 | $0 | $7 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 62827 VIRGINIA BEACH, VA 234662827 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $24 | $3K | 4.37% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | POBOX 3716 NORFOLK, VA 235143716 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.32% |
| SHAWN MAURICE DONALDSON3 | 115 E CARDINAL AVE WHEELING, WV 26003 | AFLAC | $829 | $166 | $995 | 5.52% |
| KAREN SUTPHIN3 | 81 TABLE ROCK LANE WHEELING, WV 26003 | AFLAC | $314 | $0 | $314 | 1.74% |
| MICHAEL V BRITTON3 | 775 GREENBAG RD MORGANTOWN, WV 26508 | AFLAC | $217 | $0 | $217 | 1.20% |
| THOMAS J. MCCORD3 Filed as: THOMAS J MCCORD | 680 GENESIS BLVD SUITE 202 BRIDGEPORT, WV 26330 | AFLAC | $119 | $29 | $148 | 0.82% |
| HEALTH PLAN OF THE UPPER OH VALLEY3 | 52160 NATIONAL ROAD EAST ST CLAIRSVILLE, OH 43950 | AFLAC | $126 | $0 | $126 | 0.70% |
| TANDRA FAYE FREED3 | 719 LAWMAN AVE BRIDGEPORT, WV 26330 | AFLAC | $112 | $0 | $112 | 0.62% |
| BRIAN CUMPTAN3 | 320 9TH STREET SUITE 200 HUNTINGTON, WV 25701 | AFLAC | $64 | $29 | $93 | 0.52% |
| CHARLES HUGH MACKAY3 | 1601 LAKESIDE VILLAGE MORGANTOWN, WV 26508 | AFLAC | $80 | $0 | $80 | 0.44% |
| DANIEL J KESSINGER3 | 40 BURNS LN SAINT MARYS, WV 26170 | AFLAC | $69 | $5 | $74 | 0.41% |
| GAYLORD I KAUFFMAN3 | 315 GREEN RIDGE ROAD SUITE H 1 NEW CASTLE, PA 16105 | AFLAC | $67 | $0 | $67 | 0.37% |
| MARK D JONES3 | 306 CUNNINGHAM RUN RD PENNSBORO, WV 26415 | AFLAC | $65 | $0 | $65 | 0.36% |
| RPM LTD3 | PO BOX 484 BLOOMINGDALE, GA 31302 | AFLAC | $50 | $0 | $50 | 0.28% |
| PENNY NICHOLSON3 Filed as: PENNY L NICHOLSON | 209 KENWOOD AVE MARIETTA, OH 45750 | AFLAC | $47 | $0 | $47 | 0.26% |
| MARK L HUFHAND3 | 1300 CHRISTMAS SEAL DR NW CANTON, OH 44709 | AFLAC | $41 | $0 | $41 | 0.23% |
| JAMES DANIEL MARTINETTE3 Filed as: JAMES R KUCERA | 639 NORTH ERIE ST. WHEELING, WV 26003 | AFLAC | $39 | $0 | $39 | 0.22% |
| LINDA SUE LOTHES3 | 35301 DALE LOTHES RD BEVERLY, OH 45715 | AFLAC | $36 | $0 | $36 | 0.20% |
| BISSELL ENTERPRISES INC3 | 7540 WINDSOR DRIVE SUITE 306 ALLENTOWN, PA 18195 | AFLAC | $29 | $0 | $29 | 0.16% |
| MICHAEL J QUINN3 | 8580 MAJORCA LANE NAPLES, FL 34114 | AFLAC | $21 | $0 | $21 | 0.12% |
| SHERMAN C BLAIR3 | 2392 MCCLELLANVILLE TER THE VILLAGES, FL 32162 | AFLAC | $21 | $0 | $21 | 0.12% |
| ADKINS INSURANCE SOLUTIONS LLC3 Filed as: ADKINS INS SOLUTIONS LLC | 49 DOOLIN DR WILLIAMSTOWN, WV 26187 | AFLAC | $20 | $0 | $20 | 0.11% |
| WILLIAM O CORNELL3 | 121 LIME RD NE LAKE PLACID, FL 33852 | AFLAC | $19 | $0 | $19 | 0.11% |
| CHARLES HUGH MACKAY3 | 3203 ODYSSEY LAKE CIR S BRUNSWICK, GA 31525 | AFLAC | $17 | $0 | $17 | 0.09% |
| ROBERT E KEMMER3 | PO BOX 352 BUFFALO, OH 43722 | AFLAC | $13 | $0 | $13 | 0.07% |
| BETTY J POTTS3 | 12445 SHIPLEY ROAD JOHNSTOWN, OH 43031 | AFLAC | $9 | $0 | $9 | 0.05% |
| DARAN L WYCKOFF3 | 505 N ARGONNE BLDG C SPOKANE VALLEY, WA 99212 | AFLAC | $8 | $0 | $8 | 0.04% |
| JOHN P JACKSON3 | 3605 CAMDEN AVENUE PARKERSURG, WV 26101 | AFLAC | $8 | $0 | $8 | 0.04% |
| LESLIE K KIMBROUGH3 | 2461 W STATE ROAD 426 STE 2061 OVIEDO, FL 32765 | AFLAC | $6 | $0 | $6 | 0.03% |
| ALESSANDRA L GEORGE3 | 706 REEDYVILLE RD SPENCER, WV 25276 | AFLAC | $5 | $0 | $5 | 0.03% |
| WILLIAM O WEAVER3 | RT 2 BOX 38-5 WAVERLY, WA 26184 | AFLAC | $5 | $0 | $5 | 0.03% |
| BRUCE MEYER3 | 10800 WINCHCOMBE DR DUBLIN, OH 43016 | AFLAC | $4 | $0 | $4 | 0.02% |
| CHARLES E MCNEIL3 | 817 SCOTT DEPOT RD SCOTT DEPOT, WV 25560 | AFLAC | $2 | $0 | $2 | 0.01% |
| BRYAN FINANCIAL GROUP LLC3 | 1031 NATIONAL RD WHEELING, WV 26003 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 15.00% |
| BRYAN FINANCIAL GROUP LLC3 | 1031 NATIONAL ROAD WHEELING, WV 26003 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $876 | $0 | $876 | 12.00% |
| HEALTHCARE REFORM ALTERNATIVES LLC3 | 2706 BAR HARBOUR CT LEWIS CENTER, OH 43035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $203 | $0 | $203 | 3.22% |
| JAMES D THOMAS3 | 5451 ST ANDREWS DR WESTERVILLE, OH 43082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $136 | $0 | $136 | 2.16% |
| DIVERSIFIED FIN SVC INC3 | 1031 NATIONAL ROAD WHEELING, WV 26003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 0.51% |
| CBF BENEFITS INC3 | 808 CEDAR AVENUE PITTSBURGH, PA 15212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $0 | $31 | 0.49% |
| KEVIN D HOWELL3 | 60 WEST COLUMBUS STREET THORNVILLE, OH 43076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $0 | $27 | 0.43% |
| DWAINE K HOWELL3 | 79 LAKEVIEW DRIVE THORNVILLE, OH 43076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.30% |
| CHAD B FISHER3 | 206 WEST NORTH AVENUE PITTSBURGH, PA 15212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.10% |
| BRYAN FINANCIAL GROUP LLC3 | 1031 NATIONAL ROAD WHEELING, WV 26003 | DEARBORN NATIONAL | $863 | $0 | $863 | 17.53% |
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 | 204 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK WEST VIRGINIA | 169 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 177 | $62K |
| Vision | VISION BENEFITS OF AMERICA | 128 | $17K |
| Life insurance(4 contracts, 4 carriers) | AFLAC | 220 | $37K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 45 | $24K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 89 | $14K |
| Other(3 contracts, 3 carriers) | AFLAC | 220 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.