| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 630 W GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $24K | $0 | $24K | 1.87% |
| EMERSON REID LLC3 | 630 W GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $2K | $0 | $2K | 5.43% |
| BRYAN FINANCIAL GROUP LLC3 | 1031 NATIONAL ROAD WHEELING, WV 26003 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 15.00% |
| SHAWN MAURICE DONALDSON3 | 115 E CARDINAL AVE WHEELING, WV 26003 | AFLAC | $868 | $30 | $898 | 8.97% |
| KAREN SUTPHIN3 | 81 TABLE ROCK LANE WHEELING, WV 26003 | AFLAC | $181 | $0 | $181 | 1.81% |
| CRYSTAL L MARTIN3 | 58 WATERSIDE DRIVE MORGANTOWN, WV 26508 | AFLAC | $89 | $6 | $95 | 0.95% |
| DORA M PRATT3 | 222 CHERRY ST BRIDGEPORT, WV 26330 | AFLAC | $91 | $3 | $94 | 0.94% |
| TANDRA FAYE FREED3 | 719 LAWMAN AVE BRIDGEPORT, WV 26330 | AFLAC | $71 | $0 | $71 | 0.71% |
| MICHAEL V BRITTON3 | 775 GREENBAG RD MORGANTOWN, WV 26508 | AFLAC | $40 | $0 | $40 | 0.40% |
| THOMAS J. MCCORD3 Filed as: THOMAS J MCCORD | 10 SCOTT AVE MORGANTOWN, WV 26508 | AFLAC | $39 | $0 | $39 | 0.39% |
| JAMES DANIEL MARTINETTE3 Filed as: JAMES R KUCERA | 639 N ERIE ST WHEELING, WV 26003 | AFLAC | $39 | $0 | $39 | 0.39% |
| CHARLES HUGH MACKAY3 | 18250 142ND AVE NE WOODINVILLE, WA 98072 | AFLAC | $37 | $0 | $37 | 0.37% |
| RPM LTD3 | PO BOX 484 BLOOMINGDALE, GA 31302 | AFLAC | $24 | $0 | $24 | 0.24% |
| HEALTH PLAN OF THE UPPER OH VALLEY3 | 52160 NATIONAL ROAD SAINT CLAIRSVILLE, OH 43950 | AFLAC | $23 | $0 | $23 | 0.23% |
| WILLIAM O CORNELL3 | 121 LIME RD NE LAKE PLACID, FL 33852 | AFLAC | $13 | $0 | $13 | 0.13% |
| GAYLORD I KAUFFMAN3 | 315 GREEN RIDGE ROAD SUITE H 1 NEW CASTLE, PA 16105 | AFLAC | $12 | $0 | $12 | 0.12% |
| MARK D JONES3 | 306 CUNNINGHAM RUN ROAD PENNSBURO, WV 26415 | AFLAC | $12 | $0 | $12 | 0.12% |
| CHARLES HUGH MACKAY3 | 3203 ODYSSEY LAKE CIR S BRUNSWICK, GA 31525 | AFLAC | $10 | $0 | $10 | 0.10% |
| SHERMAN C BLAIR3 | 2392 MCCLELLANVILLE TER THE VILLAGES, FL 32162 | AFLAC | $10 | $0 | $10 | 0.10% |
| PENNY NICHOLSON3 Filed as: PENNY L NICHOLSON | 209 KENWOOD AVE MARIETTA, OH 45750 | AFLAC | $9 | $0 | $9 | 0.09% |
| MARK L HUFHAND3 | 3313 LEE STREET NW NORTH CANTON, OH 44720 | AFLAC | $8 | $0 | $8 | 0.08% |
| LINDA SUE LOTHES3 | PO BOX 878 MARIETTA, OH 45750 | AFLAC | $7 | $0 | $7 | 0.07% |
| BRIAN CUMPTAN3 | 320 9TH ST STE 200 HUNTINGTON, WV 25701 | AFLAC | $7 | $0 | $7 | 0.07% |
| JOHN B LACARIA3 | 102 JENNIFER LANE BRIDGEPORT, WV 26330 | AFLAC | $5 | $0 | $5 | 0.05% |
| MICHAEL J QUINN3 | 8580 MAJORCA LANE NAPLES, FL 34114 | AFLAC | $4 | $0 | $4 | 0.04% |
| ALESSANDRA L GEORGE3 Filed as: ALESSANDRA L GEROGE | 736 COLUMBIA AVE WHITEFISH, MT 59937 | AFLAC | $4 | $0 | $4 | 0.04% |
| THOMAS J STEPHENSON3 | 320 9TH STREET HUNTINGTON, WV 25701 | AFLAC | $2 | $0 | $2 | 0.02% |
| JUSTIN W DAVIS3 | 300 LIVE OAK COURT SALEM, VA 24153 | AFLAC | $2 | $0 | $2 | 0.02% |
| BISSELL ENTERPRISES INC3 | 7540 WINDSOR DRIVE STE 306 ALLENTOWN, PA 18195 | AFLAC | $2 | $0 | $2 | 0.02% |
| DANIEL L WYCKOFF3 | PO BOX 952 SPOKANE VALLEY, WA 99037 | AFLAC | $2 | $0 | $2 | 0.02% |
| DANIEL J KESSINGER3 | 40 BURNS LANE SAINT MARYS, WV 26170 | AFLAC | $2 | $0 | $2 | 0.02% |
| ROBERT E KEMMER3 | PO BOX 352 BUFFALO, OH 43722 | AFLAC | $1 | $0 | $1 | 0.01% |
| PAUL B BROUCHOUD3 | 604 MARK DRIVE DEL CITY, OK 73115 | AFLAC | $1 | $0 | $1 | 0.01% |
| KRISTINE G WYCKOFF3 | PO BOX 952 SPOKANE VALLEY, WA 99037 | AFLAC | $1 | $0 | $1 | 0.01% |
| BETTY J POTTS3 | 12445 SHIPLEY ROAD JOHNSTOWN, OH 43031 | AFLAC | $1 | $0 | $1 | 0.01% |
| RANDY M SOMERMAN3 | 699 N HUNTINGTON ST APT 320 MEDINA, OH 44256 | AFLAC | $0 | $0 | $0 | 0.00% |
| CHARLES E MCNEIL3 | 817 SCOTT DEPOT ROAD SCOTT DEPOT, WV 25560 | AFLAC | $0 | $0 | $0 | 0.00% |
| ROBERT E KEMMER3 | PO BOX 352 BUFFALO, OH 43722 | AFLAC | $0 | $0 | $0 | 0.00% |
| BRANDY ANN HARTIN3 | 3115 PHOENIX AVE OLDSMAR, FL 34677 | AFLAC | $0 | $0 | $0 | 0.00% |
| WILLIAM O WEAVER3 | ROUTE 2 BOX 38-5 WAVERLY, WV 26184 | AFLAC | $0 | $0 | $0 | 0.00% |
| RONALD J GRETHEL3 | 648 HANNA AVE LOVELAND, OH 45140 | AFLAC | $0 | $0 | $0 | 0.00% |
| BRUCE MEYER3 | 10800 WINCHCOMBE DRIVE DUBLIN, OH 43016 | AFLAC | $0 | $0 | $0 | 0.00% |
| BRYAN FINANCIAL GROUP LLC3 | 1031 NATIONAL ROAD WHEELING, WV 26003 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.10% |
| BRYAN FINANCIAL GROUP LLC3 | 1031 NATIONAL ROAD WHEELING, WV 26003 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $737 | $0 | $737 | 11.99% |
| JAMES D THOMAS3 | 5451 ST ANDREWS DR WESTERVILLE, OH 43082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | $0 | $84 | 3.44% |
| HEALTHCARE REFORM ALTERNATIVES LLC3 | 2706 BAR HARBOUR CT LEWIS CENTER, OH 43076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $0 | $68 | 2.78% |
| KEVIN D HOWELL3 | 60 WEST COLUMBUS STREET THORNVILLE, OH 43076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.74% |
| DIVERSIFIED FIN SVC INC3 | 1031 NATIONAL ROAD WHEELING, WV 26003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.65% |
| DWAINE K HOWELL3 | 79 LAKEVIEW DRIVE THORNVILLE, OH 43076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.41% |
| CBF BENEFITS INC3 | 808 CEDAR AVE PITTSBURGH, PA 15212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.04% |
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 | 142 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 116 | $1.3M |
| Dental | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 95 | $46K |
| Vision | VISION BENEFITS OF AMERICA | 96 | $13K |
| Life insurance(4 contracts, 4 carriers) | AFLAC | 148 | $27K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 29 | $12K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 71 | $23K |
| Other(4 contracts, 4 carriers) | AFLAC | 148 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.