| 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 | $23K | $0 | $23K | 1.64% |
| EMERSON REID LLC3 | 630 W GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $2K | $0 | $2K | 4.54% |
| CALLEN W BRYAN3 | 115 HERITAGE DRIVE WHEELING, WV 26003 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 13.71% |
| SHAWN MAURICE DONALDSON3 | 115 E CARDINAL AVE WHEELING, WV 26003 | AFLAC | $862 | $68 | $930 | 7.57% |
| KAREN SUTPHIN3 | 81 TABLE ROCK LN WHEELING, WV 26003 | AFLAC | $189 | $0 | $189 | 1.54% |
| CRYSTAL L MARTIN3 | 58 WATERSIDE DR MORGANTOWN, WV 26508 | AFLAC | $66 | $13 | $79 | 0.64% |
| TANDRA FAYE FREED3 | 719 LAWMAN AVE BRIDGEPORT, WV 26330 | AFLAC | $68 | $0 | $68 | 0.55% |
| CRYSTAL L MARTIN3 | 57 LAVISTA DR MORGANTOWN, WV 26508 | AFLAC | $62 | $0 | $62 | 0.50% |
| CHARLES HUGH MACKAY3 | 18250 142ND AVE NE WOODINVILLE, WA 98072 | AFLAC | $46 | $0 | $46 | 0.37% |
| JAMES DANIEL MARTINETTE3 Filed as: JAMES R KUCERA | 639 N ERIE ST WHEELING, WV 26003 | AFLAC | $46 | $0 | $46 | 0.37% |
| DORA M PRATT3 | 222 CHERRY ST BRIDGEPORT, WV 26330 | AFLAC | $36 | $9 | $45 | 0.37% |
| THOMAS J. MCCORD3 Filed as: THOMAS J MCCORD | 10 SCOTT AVE MORGANTOWN, WV 26508 | AFLAC | $44 | $0 | $44 | 0.36% |
| MICHAEL V BRITTON3 | 775 GREENBAG RD MORGANTOWN, WV 26508 | AFLAC | $34 | $0 | $34 | 0.28% |
| RPM LTD3 | PO BOX 484 BLOOMINGDALE, GA 31302 | AFLAC | $25 | $0 | $25 | 0.20% |
| DORA M PRATT3 | 840 W 2ND ST WESTON, WV 26452 | AFLAC | $22 | $0 | $22 | 0.18% |
| WILLIAM O CORNELL3 | 121 LIME RD NE LAKE PLACID, FL 33852 | AFLAC | $15 | $0 | $15 | 0.12% |
| SHERMAN C BLAIR3 | 2392 MCCLELLANVILLE TER THE VILLAGES, FL 32162 | AFLAC | $12 | $0 | $12 | 0.10% |
| BRIAN CUMPTAN3 | 320 9TH ST STE 200 HUNTINGTON, WV 25701 | AFLAC | $9 | $0 | $9 | 0.07% |
| JOHN B LACARIA3 | 102 JENNIFER LN BRIDGEPORT, WV 26330 | AFLAC | $5 | $0 | $5 | 0.04% |
| ALESSANDRA L GEORGE3 | 2329 ALPINE CT WHITEFISH, MT 59937 | AFLAC | $5 | $0 | $5 | 0.04% |
| HEALTH PLAN OF THE UPPER OH VALLEY3 | 52160 NATIONAL ROAD ST. CLAIRSVILLE, OH 43950 | AFLAC | $4 | $0 | $4 | 0.03% |
| MARK D JONES3 | 306 CUNNINGHAM RUN RD PENNSBORO, WV 26415 | AFLAC | $2 | $0 | $2 | 0.02% |
| ROBERT E KEMMER3 | PO BOX 352 BUFFALO, OH 43722 | AFLAC | $2 | $0 | $2 | 0.02% |
| DARAN L WYCKOFF3 | 2907 E 64TH CT SPOKANE, WA 99223 | AFLAC | $2 | $0 | $2 | 0.02% |
| JUSTIN W DAVIS3 | 300 LIVE OAK CT SALEM, VA 24153 | AFLAC | $2 | $0 | $2 | 0.02% |
| GAYLORD I KAUFFMAN3 | 315 GREEN RIDGE ROAD SUITE H 1 NEW CASTLE, PA 16105 | AFLAC | $2 | $0 | $2 | 0.02% |
| BISSELL ENTERPRISES INC3 | 7540 WINDSOR DR STE 306 ALLENTOWN, PA 18195 | AFLAC | $2 | $0 | $2 | 0.02% |
| DANIEL J KESSINGER3 | 40 BURNS LN SAINT MARYS, WV 26170 | AFLAC | $2 | $0 | $2 | 0.02% |
| THOMAS J STEPHENSON3 | 320 9TH ST HUNTINGTON, WV 25701 | AFLAC | $1 | $0 | $1 | 0.01% |
| PAUL B BROUCHOUD3 | 604 MARK DR DEL CITY, OK 73115 | AFLAC | $1 | $0 | $1 | 0.01% |
| KRISTINE G WYCKOFF3 | PO BOX 31233 SPOKANE, WA 99223 | AFLAC | $1 | $0 | $1 | 0.01% |
| RONALD J GRETHEL3 | 648 HANNA AVE LOVELAND, OH 45140 | AFLAC | $0 | $0 | $0 | 0.00% |
| RANDY M SOMERMAN3 | 5009 GREEN ASH TRL MEDINA, OH 44256 | AFLAC | $0 | $0 | $0 | 0.00% |
| MICHAEL J QUINN3 | 8580 MAJORCA LN NAPLES, FL 34114 | AFLAC | $0 | $0 | $0 | 0.00% |
| BRANDY ANN HARTIN3 | 3115 PHOENIX AVE OLDSMAR, FL 34677 | AFLAC | $0 | $0 | $0 | 0.00% |
| LINDA SUE LOTHES3 | PO BOX 70 ANDERSONVILLE, TN 37705 | AFLAC | $0 | $0 | $0 | 0.00% |
| MARK L HUFHAND3 | 3313 LEE ST NW NORTH CANTON, OH 44720 | AFLAC | $0 | $0 | $0 | 0.00% |
| PENNY NICHOLSON3 Filed as: PENNY L NICHOLSON | 209 KENWOOD AVE MARIETTA, OH 45750 | AFLAC | $0 | $0 | $0 | 0.00% |
| THOMAS J STEPHENSON3 | 31 STADELMAN CT CARTERSVILLE, GA 30120 | AFLAC | $0 | $0 | $0 | 0.00% |
| BRUCE MEYER3 | 10800 WINCHCOMBE DR DUBLIN, OH 43016 | AFLAC | $0 | $0 | $0 | 0.00% |
| BRYAN FINANCIAL GROUP LLC3 | 1031 NATIONAL ROAD WHEELING, WV 26003 | DEARBORN LIFE INSURANCE COMPANY | $943 | — | $943 | 15.56% |
| HEALTHCARE REFORM ALTERNATIVES LLC3 | 2706 BAR HARBOUR CT LEWIS CENTER, OH 43076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | $0 | $42 | 2.87% |
| JAMES D THOMAS3 | 5451 ST ANDREWS DR WESTERVILLE, OH 43082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $0 | $40 | 2.73% |
| KEVIN D HOWELL3 | 60 WEST COLUMBUS STREET THORNVILLE, OH 43076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.96% |
| DIVERSIFIED FIN SVC INC3 | 1031 NATIONAL ROAD WHEELING, WV 26003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.75% |
| DWAINE K HOWELL3 | 79 LAKEVIEW DRIVE THORNVILLE, OH 43076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.68% |
| CBF BENEFITS INC3 | 1309 HIDDEN HARBOR RD MYRTLE BEACH, SC 29577 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 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 | 149 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 119 | $1.4M |
| Dental | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 94 | $49K |
| Vision | VISION BENEFITS OF AMERICA | 90 | $11K |
| Life insurance(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 149 | $38K |
| Short-term disability | AFLAC | 29 | $12K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 149 | $18K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 149 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.