| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 630 W GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | HIGHMARK WEST VIRGINIA | $29K | $0 | $29K | 2.15% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $51 | $3K | 4.97% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $772 | $772 | 1.49% |
| SHAWN MAURICE DONALDSON3 | 115 E CARDINAL AVE WHEELING, WV 26003 | AFLAC | $958 | $63 | $1K | 7.31% |
| KAREN SUTPHIN3 | 81 TABLE ROCK LANE WHEELING, WV 26003 | AFLAC | $246 | $0 | $246 | 1.76% |
| TANDRA FAYE FREED3 | 719 LAWMAN AVE BRIDGEPORT, WV 26330 | AFLAC | $95 | $0 | $95 | 0.68% |
| CRYSTAL L MARTIN3 | 58 WATERSIDE DRIVE MORGANTOWN, WV 26508 | AFLAC | $83 | $5 | $88 | 0.63% |
| HEALTH PLAN OF THE UPPER OH VALLEY3 | 52160 NATIONAL ROAD EAST ST. CLAIRSVILLE, OH 43950 | AFLAC | $81 | $0 | $81 | 0.58% |
| THOMAS J. MCCORD3 Filed as: THOMAS J MCCORD | 10 SCOTT AVE MORGANTOWN, WV 26508 | AFLAC | $63 | $5 | $68 | 0.49% |
| CHARLES HUGH MACKAY3 | 3203 ODYSSEY LAKE CIR S BRUNSWICK, GA 31525 | AFLAC | $66 | $0 | $66 | 0.47% |
| MICHAEL V BRITTON3 | 775 GREENBAG RD MORGANTOWN, WV 26508 | AFLAC | $56 | $0 | $56 | 0.40% |
| JAMES DANIEL MARTINETTE3 Filed as: JAMES R KUCERA | 639 NORTH ERIE ST WHEELING, WV 26003 | AFLAC | $47 | $0 | $47 | 0.34% |
| MARK D JONES3 | 306 CUNNINGHAM RUN RD PENNSBORO, WV 26415 | AFLAC | $43 | $0 | $43 | 0.31% |
| GAYLORD I KAUFFMAN3 | 315 GREEN RIDGE ROAD SUITE H 1 NEW CASTLE, PA 16105 | AFLAC | $43 | $0 | $43 | 0.31% |
| PENNY NICHOLSON3 Filed as: PENNY L NICHOLSON | 209 KENWOOD AVE MARIETTA, OH 45750 | AFLAC | $34 | $0 | $34 | 0.24% |
| RPM LTD3 | PO BOX 484 BLOOMINGDALE, GA 31302 | AFLAC | $32 | $0 | $32 | 0.23% |
| MARK L HUFHAND3 | 3313 LEE ST NW NORTH CANTON, OH 44720 | AFLAC | $30 | $0 | $30 | 0.21% |
| LINDA SUE LOTHES3 | PO BOX 878 MARIETTA, OH 45750 | AFLAC | $26 | $0 | $26 | 0.19% |
| WILLIAM O CORNELL3 | 121 LIME ROAD NE LAKE PLACID, FL 33852 | AFLAC | $20 | $0 | $20 | 0.14% |
| SHERMAN C BLAIR3 | 2392 MCCLELLANVILLE TER THE VILLAGES, FL 32162 | AFLAC | $19 | $0 | $19 | 0.14% |
| DORA M PRATT3 | 222 CHERRY ST BRIDGEPORT, WV 26330 | AFLAC | $16 | $0 | $16 | 0.11% |
| MICHAEL J QUINN3 | 8580 MAJORCA LANE NAPLES, FL 34114 | AFLAC | $15 | $0 | $15 | 0.11% |
| ADKINS INSURANCE SOLUTIONS LLC3 Filed as: ADKINS INS SOLUTIONS LLC | 49 DOOLIN DRIVE WILLIAMSTOWN, WV 26187 | AFLAC | $14 | $0 | $14 | 0.10% |
| BETTY J POTTS3 | 12445 SHIPLEY ROAD JOHNSTOWN, OH 43031 | AFLAC | $11 | $0 | $11 | 0.08% |
| BRIAN CUMPTAN3 | 320 9TH STREET SUITE 200 HUNTINGTON, WV 25701 | AFLAC | $11 | $0 | $11 | 0.08% |
| JOHN B LACARIA3 | 102 JENNIFER LN BRIDGEPORT, WV 26330 | AFLAC | $7 | $0 | $7 | 0.05% |
| JOHN P JACKSON3 | 3605 CAMDEN AVE PARKERSBURG, WV 26101 | AFLAC | $5 | $0 | $5 | 0.04% |
| BISSELL ENTERPRISES INC3 | 7540 WINDSOR DRIVE SUITE 306 ALLENTOWN, PA 18195 | AFLAC | $4 | $0 | $4 | 0.03% |
| ROBERT E KEMMER3 | P O BOX 352 BUFFALO, OH 43722 | AFLAC | $4 | $0 | $4 | 0.03% |
| WILLIAM O WEAVER3 | RT 2 BOX 38-5 WAVERLY, WV 26184 | AFLAC | $4 | $0 | $4 | 0.03% |
| PAUL B BROUCHOUD3 | 604 MARK DRIVE DEL CITY, OK 73115 | AFLAC | $3 | $0 | $3 | 0.02% |
| KRISTINE G WYCKOFF3 | PO BOX 952 SPOKANE VALLEY, WA 99037 | AFLAC | $3 | $0 | $3 | 0.02% |
| DARAN L WYCKOFF3 | PO BOX 952 SPOKANE VALLEY, WA 99037 | AFLAC | $3 | $0 | $3 | 0.02% |
| ALESSANDRA L GEORGE3 | 736 COLUMBIA AVE WHITEFISH, MT 59937 | AFLAC | $3 | $0 | $3 | 0.02% |
| THOMAS J STEPHENSON3 | 320 9TH STREET HUNTINGTON, WV 25701 | AFLAC | $3 | $0 | $3 | 0.02% |
| JUSTIN W DAVIS3 | 300 LIVE OAK COURT SALEM, VA 24153 | AFLAC | $3 | $0 | $3 | 0.02% |
| CHARLES E MCNEIL3 | 817 SCOTT DEPOT ROAD SCOTT DEPOT, WV 25560 | AFLAC | $2 | $0 | $2 | 0.01% |
| DARAN L WYCKOFF3 | 505 N ARGONNE BLDG C SPOKANE VALLEY, WA 99212 | AFLAC | $2 | $0 | $2 | 0.01% |
| DANIEL J KESSINGER3 | 40 BURNS LANE SAINT MARYS, WV 26170 | AFLAC | $2 | $0 | $2 | 0.01% |
| RANDY M SOMERMAN3 | 19878 W KERRY PL STRONGSVILLE, OH 44149 | AFLAC | $1 | $0 | $1 | 0.01% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $1 | $0 | $1 | 0.01% |
| BRANDY ANN HARTIN3 | 3115 PHOENIX AVE OLDSMAR, FL 34677 | AFLAC | $1 | $0 | $1 | 0.01% |
| BRUCE MEYER3 | 10800 WINCHCOMBE DRIVE DUBLIN, OH 43016 | AFLAC | $1 | $0 | $1 | 0.01% |
| RONALD J GRETHEL3 | 648 HANNA AVE LOVELAND, OH 45140 | AFLAC | $1 | $0 | $1 | 0.01% |
| BRYAN FINANCIAL GROUP LLC3 | 1031 NATIONAL ROAD WHEELING, WV 26003 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 15.00% |
| BRYAN FINANCIAL GROUP LLC3 | 1031 NATIONAL ROAD WHEELING, WV 26003 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.05% |
| BRYAN FINANCIAL GROUP LLC3 | 1031 NATIONAL ROAD WHEELING, WV 26003 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $659 | $0 | $659 | 12.00% |
| HEALTHCARE REFORM ALTERNATIVES LLC3 Filed as: HEALTHCARE REFORM ALTERNATIVES LIC | 2706 BAR HARBOUR COURT LEWIS CENTER, OH 43035 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $141 | $0 | $141 | 3.12% |
| JAMES D THOMAS3 | 5451 ST ANDREWS DR WESTERVILLE, OH 43082 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $107 | $0 | $107 | 2.37% |
| DIVERSIFIED FIN SVC INC3 | 1031 NATIONAL ROAD WHEELING, WV 26003 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $31 | $0 | $31 | 0.69% |
| CBF BENEFITS INC3 | 808 CEDAR AVE PITTSBURGH, PA 15212 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 0.53% |
| KEVIN D HOWELL3 | 60 WEST COLUMBUS STREET THORNVILLE, OH 43076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 0.49% |
| DWAINE K HOWELL3 | 79 LAKEVIEW DRIVE THORNVILLE, OH 43076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.35% |
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 | 151 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK WEST VIRGINIA | 131 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 196 | $52K |
| Vision | VISION BENEFITS OF AMERICA | 94 | $13K |
| Life insurance(4 contracts, 4 carriers) | AFLAC | 141 | $32K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 32 | $18K |
| Long-term disability(2 contracts, 2 carriers) | AFLAC | 49 | $24K |
| Other(2 contracts, 2 carriers) | AFLAC | 32 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.