| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 630 WEST GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | HIGHMARK WEST VIRGINIA | $50K | $0 | $50K | 3.20% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 62827 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $27 | $3K | 4.64% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 62827 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $920 | $920 | 1.57% |
| SHAWN MAURICE DONALDSON3 | 115 EAST CARDINAL AVENUE WHEELING, WV 26003 | AFLAC | $2K | $0 | $2K | 9.27% |
| KAREN SUTPHIN3 | 81 TABLE ROCK LANE WHEELING, WV 26003 | AFLAC | $302 | $0 | $302 | 1.47% |
| THOMAS J. MCCORD3 | 10 SCOTT AVENUE MORGANTOWN, WV 26508 | AFLAC | $244 | $0 | $244 | 1.19% |
| MICHAEL V BRITTON3 Filed as: MICHAEL V. BRITTON | 775 GREENBAG ROAD MORGANTOWN, WV 26508 | AFLAC | $198 | $0 | $198 | 0.97% |
| HEALTH PLAN OF THE UPPER OH VALLEY3 | 52160 NATIONAL ROAD EAST ST. CLAIRSVILLE, OH 43950 | AFLAC | $131 | $0 | $131 | 0.64% |
| TANDRA FAYE FREED3 | 719 LAWMAN AVENUE BRIDGEPORT, WV 26330 | AFLAC | $112 | $0 | $112 | 0.55% |
| CHARLES HUGH MACKAY3 | 3203 ODYSSEY LAKE CIRCLE S BRUNSWICK, GA 31525 | AFLAC | $89 | $0 | $89 | 0.43% |
| GAYLORD I KAUFFMAN3 Filed as: GAYLORD I. KAUFFMAN | 315 GREEN RIDGE ROAD SUITE H1 NEW CASTLE, PA 16105 | AFLAC | $69 | $0 | $69 | 0.34% |
| MARK D JONES3 Filed as: MARK D. JONES | 306 CUNNINGHAM RUN ROAD PENNSBORO, WV 26415 | AFLAC | $67 | $0 | $67 | 0.33% |
| PENNY NICHOLSON3 Filed as: PENNY L. NICHOLSON | 209 KENWOOD AVENUE MARIETTA, OH 45750 | AFLAC | $48 | $0 | $48 | 0.23% |
| RPM LTD3 Filed as: RPM LTD. | PO BOX 484 BLOOMINGDALE, GA 31302 | AFLAC | $47 | $0 | $47 | 0.23% |
| JAMES DANIEL MARTINETTE3 Filed as: JAMES R. KUCERA | 639 NORTH ERIE STREET WHEELING, WV 26003 | AFLAC | $43 | $0 | $43 | 0.21% |
| MARK L HUFHAND3 Filed as: MARK L. HUFHAND | 3313 LEE STREET NW NORTH CANTON, OH 44720 | AFLAC | $42 | $0 | $42 | 0.20% |
| LINDA SUE LOTHES3 | PO BOX 878 MARIETTA, OH 45750 | AFLAC | $36 | $0 | $36 | 0.18% |
| BRIAN CUMPTAN3 | 320 9TH STREET SUITE 200 HUNTINGTON, WV 25701 | AFLAC | $29 | $0 | $29 | 0.14% |
| BISSELL ENTERPRISES INC3 Filed as: BISSELL ENTERPRISES INC. | 7540 WINDSOR DRIVE SUITE 306 ALLENTOWN, PA 18195 | AFLAC | $24 | $0 | $24 | 0.12% |
| SHERMAN C BLAIR3 Filed as: SHERMAN C. BLAIR | 2392 MCCLELLANVILLE TER THE VILLAGES, FL 32162 | AFLAC | $23 | $0 | $23 | 0.11% |
| WILLIAM O CORNELL3 Filed as: WILLIAM O. CORNELL | 121 LIME ROAD NE LAKE PLACID, FL 33852 | AFLAC | $21 | $0 | $21 | 0.10% |
| MICHAEL J QUINN3 Filed as: MICHAEL J. QUINN | 8580 MAJORCA LANE NAPLES, FL 34114 | AFLAC | $21 | $0 | $21 | 0.10% |
| ADKINS INSURANCE SOLUTIONS LLC3 Filed as: ADKINS INS SOLUTIONS LLC | 49 DOOLIN DRIVE WILLIAMSTOWN, WV 26187 | AFLAC | $21 | $0 | $21 | 0.10% |
| ROBERT E KEMMER3 Filed as: ROBERT E. KEMMER | PO BOX 352 BUFFALO, OH 43722 | AFLAC | $14 | $0 | $14 | 0.07% |
| BETTY J POTTS3 Filed as: BETTY J. POTTS | 12445 SHIPLEY ROAD JOHNSTOWN, OH 43031 | AFLAC | $10 | $0 | $10 | 0.05% |
| CRYSTAL L MARTIN3 Filed as: CRYSTAL L. MARTIN | 58 WATERSIDE DRIVE MORGANTOWN, WV 26508 | AFLAC | $10 | $0 | $10 | 0.05% |
| DARAN L WYCKOFF3 Filed as: DARAN L. WYCKOFF | 505 NORTH ARGONNE BUILDING C SPOKANE VALLEY, WA 99212 | AFLAC | $9 | $0 | $9 | 0.04% |
| JOHN P JACKSON3 Filed as: JOHN P. JACKSON | 3605 CAMDEN AVENUE PARKERSBURG, WV 26101 | AFLAC | $8 | $0 | $8 | 0.04% |
| WILLIAM O WEAVER3 Filed as: WILLIAM O. WEAVER | ROUTE 2 BOX 38-5 WAVERLY, WV 26184 | AFLAC | $5 | $0 | $5 | 0.02% |
| ALESSANDRA L GEORGE3 Filed as: ALESSANDRA L. GEORGE | 736 COLUMBIA AVENUE WHITEFISH, MT 59937 | AFLAC | $5 | $0 | $5 | 0.02% |
| BRUCE MEYER3 | 10800 WINCHCOMBE DRIVE DUBLIN, OH 43016 | AFLAC | $4 | $0 | $4 | 0.02% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE K. KIMBROUGH | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $4 | $0 | $4 | 0.02% |
| DANIEL J KESSINGER3 Filed as: DANIEL J. KESSINGER | 40 BURNS LANE SAINT MARYS, WV 26170 | AFLAC | $3 | $0 | $3 | 0.01% |
| CHARLES E MCNEIL3 Filed as: CHARLES E. MCNEIL | 817 SCOTT DEPOT ROAD SCOTT DEPOT, WV 25560 | AFLAC | $2 | $0 | $2 | 0.01% |
| RANDY M SOMERMAN3 Filed as: RANDY M. SOMMERMAN | 19878 WEST KERRY PLACE STRONGSVILLE, OH 44149 | AFLAC | $1 | $0 | $1 | 0.00% |
| BRANDY ANN HARTIN3 | 155 CYPRESS LANE OLDSMAR, FL 34677 | AFLAC | $1 | $0 | $1 | 0.00% |
| RONALD J GRETHEL3 Filed as: RONALD GRETHEL | 648 HANNA AVENUE LOVELAND, OH 45140 | AFLAC | $1 | $0 | $1 | 0.00% |
| PAUL B BROUCHOUD3 Filed as: PAUL B. BROUCHOUD | 604 MARK DRIVE DEL CITY, OK 73115 | AFLAC | $1 | $0 | $1 | 0.00% |
| KRISTINE G WYCKOFF3 Filed as: KRISTINE G. WYCKOFF | PO BOX 952 SPOKANE VALLEY, WA 99037 | AFLAC | $1 | $0 | $1 | 0.00% |
| THOMAS J STEPHENSON3 Filed as: THOMAS J. STEPHENSON | 320 9TH STREET HUNTINGTON, WV 25701 | AFLAC | $1 | $0 | $1 | 0.00% |
| JUSTIN W DAVIS3 Filed as: JUSTIN W. DAVIS | 300 LIVE OAK COURT SALEM, VA 24153 | AFLAC | $1 | $0 | $1 | 0.00% |
| JOHN B LACARIA3 Filed as: JOHN B. LACARIA | 102 JENNIFER LANE BRIDGEPORT, WV 26330 | AFLAC | $1 | $0 | $1 | 0.00% |
| BRYAN FINANCIAL GROUP LLC3 | 1031 NATIONAL ROAD WHEELING, WV 26003 | LIFE INSURANCE COMPANY OF NORTH AMERICA (CIGNA LONG-TERM DISABILITY) | $2K | $0 | $2K | 15.00% |
| BRYAN FINANCIAL GROUP LLC3 | 1031 NATIONAL ROAD WHEELING, WV 26003 | LIFE INSURANCE COMPANY OF NORTH AMERICA (CIGNA) | $751 | $0 | $751 | 12.01% |
| HEALTHCARE REFORM ALTERNATIVES LLC3 | 2706 BAR HARBOUR COURT LEWIS CENTER, OH 43035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $185 | $0 | $185 | 3.02% |
| JAMES D THOMAS3 Filed as: JAMES D. THOMAS | 5451 ST. ANDREWS DRIVE WESTERVILLE, OH 43082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $124 | $0 | $124 | 2.02% |
| CBF BENEFITS INC3 | 548 CANTON ROAD WINTERSVILLE, OH 43953 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $0 | $34 | 0.55% |
| DIVERSIFIED FIN SVC INC3 | 1031 NATIONAL ROAD WHEELING, WV 26003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 0.52% |
| KEVIN D HOWELL3 Filed as: KEVIN D. HOWELL | 60 WEST COLUMBUS STREET THORNVILLE, OH 43076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $0 | $25 | 0.41% |
| DWAINE K HOWELL3 Filed as: DWAINE K. HOWELL | 79 LAKEVIEW DRIVE THORNVILLE, OH 43076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.29% |
| BRYAN FINANCIAL GROUP LLC3 | 1031 NATIONAL ROAD WHEELING, WV 26003 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $804 | $0 | $804 | 14.55% |
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 | 209 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK WEST VIRGINIA | 162 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 207 | $59K |
| Vision | VISION BENEFITS OF AMERICA | 132 | $17K |
| Life insurance(3 contracts, 3 carriers) | AFLAC | 193 | $32K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 10 | $6K |
| Long-term disability(2 contracts, 2 carriers) | AFLAC | 77 | $32K |
| Other(2 contracts, 2 carriers) | AFLAC | 193 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.