| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID LLC - 0002510603 | 630 W GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $20K | $0 | $20K | 1.64% |
| EMERSON REID LLC3 Filed as: EMERSON REID LLC - 0002510603 | 630 W GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $3K | $0 | $3K | 4.93% |
| CALLEN W BRYAN3 | 115 HERITAGE DR WHEELING, WV 26003 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 13.64% |
| SHAWN MAURICE DONALDSON3 | 115 E CARDINAL AVE WHEELING, WV 26003 | AFLAC | $1K | $79 | $1K | 11.24% |
| CRYSTAL L MARTIN3 | 57 LAVISTA DR MORGANTOWN, WV 26508 | AFLAC | $246 | $15 | $261 | 1.98% |
| BETH A RICHARDSON3 | 899 FLEMING AVE FAIRMONT, WV 26554 | AFLAC | $148 | $8 | $156 | 1.18% |
| KAREN SUTPHIN3 | 81 TABLE ROCK LN WHEELING, WV 26003 | AFLAC | $120 | $0 | $120 | 0.91% |
| BRIAN C WINGATE3 | 106 TRESCOTT LN MORGANTOWN, WV 26505 | AFLAC | $73 | $0 | $73 | 0.55% |
| TANDRA FAYE FREED3 | 719 LAWMAN AVE BRIDGEPORT, WV 26330 | AFLAC | $33 | $0 | $33 | 0.25% |
| DORA M PRATT3 | 840 W 2ND ST WESTON, WV 26452 | AFLAC | $32 | $0 | $32 | 0.24% |
| THOMAS J. MCCORD3 Filed as: THOMAS J MCCORD | 36 MULBERRY LN BRIDGEPORT, WV 26330 | AFLAC | $29 | $0 | $29 | 0.22% |
| CHARLES HUGH MACKAY3 | 2383 S MAIN ST STE B100 AKRON, OH 44319 | AFLAC | $25 | $0 | $25 | 0.19% |
| JAMES DANIEL MARTINETTE3 Filed as: JAMES R KUCERA | 639 N ERIE ST WHEELING, WV 26003 | AFLAC | $23 | $0 | $23 | 0.17% |
| RPM LTD3 | PO BOX 1016 YULEE, FL 32041 | AFLAC | $16 | $0 | $16 | 0.12% |
| WILLIAM O CORNELL3 | 121 LIME RD NE LAKE PLACID, FL 33852 | AFLAC | $15 | $0 | $15 | 0.11% |
| MICHAEL V BRITTON3 | 775 GREENBAG RD MORGANTOWN, WV 26508 | AFLAC | $13 | $0 | $13 | 0.10% |
| SHERMAN C BLAIR3 | 2392 MCCLELLANVILLE TER THE VILLAGES, FL 32162 | AFLAC | $12 | $0 | $12 | 0.09% |
| BRIAN CUMPTAN3 | 320 9TH ST STE 200 HUNTINGTON, WV 25701 | AFLAC | $10 | $0 | $10 | 0.08% |
| ASHLEY STEVENS3 | 651 WASHINGTON AVE CLARKSBURG, WV 26301 | AFLAC | $7 | $0 | $7 | 0.05% |
| ALESSANDRA L GEORGE3 | 2329 ALPINE CT WHITEFISH, MT 59937 | AFLAC | $5 | $0 | $5 | 0.04% |
| DANIEL J KESSINGER3 | 40 BURNS LN SAINT MARYS, WV 26170 | AFLAC | $4 | $0 | $4 | 0.03% |
| HEALTH PLAN OF THE UPPER OH VALLEY3 | 52160 NATIONAL ROAD ST. CLAIRSVILLE, OH 43950 | AFLAC | $3 | $0 | $3 | 0.02% |
| JOHN B LACARIA3 | 102 JENNIFER LN BRIDGEPORT, WV 26330 | AFLAC | $3 | $0 | $3 | 0.02% |
| ROBERT E KEMMER3 | PO BOX 352 BUFFALO, OH 43722 | AFLAC | $2 | $0 | $2 | 0.02% |
| THOMAS J STEPHENSON3 | 31 STADELMAN CT CARTERSVILLE, GA 30120 | AFLAC | $2 | $0 | $2 | 0.02% |
| JUSTIN W DAVIS3 | 300 LIVE OAK CT SALEM, VA 24153 | AFLAC | $2 | $0 | $2 | 0.02% |
| BISSELL ENTERPRISES INC3 | 7540 WINDSOR DR STE 306 ALLENTOWN, PA 18195 | AFLAC | $2 | $0 | $2 | 0.02% |
| MARK D JONES3 | 306 CUNNINGHAM RUN RD PENNSBORO, WV 26415 | AFLAC | $1 | $0 | $1 | 0.01% |
| GAYLORD I KAUFFMAN3 | 315 GREEN RIDGE ROAD SUITE H1 NEW CASTLE, PA 16105 | AFLAC | $1 | $0 | $1 | 0.01% |
| RANDY M SOMERMAN3 | 2819 WILLIAMSBURG CIR STOW, OH 44224 | AFLAC | $0 | $0 | $0 | 0.00% |
| BRANDY ANN HARTIN3 | 12203 STATE ST TAMPA, FL 33635 | AFLAC | $0 | $0 | $0 | 0.00% |
| PAUL B BROUCHOUD3 | 604 MARK DR DEL CITY, OK 73115 | AFLAC | $0 | — | $0 | 0.00% |
| KRISTINE G WYCKOFF3 | PO BOX 31233 SPOKANE, WA 99223 | AFLAC | $0 | $0 | $0 | 0.00% |
| BRUCE MEYER3 | 10800 WINCHCOMBE DR DUBLIN, OH 43016 | AFLAC | $0 | $0 | $0 | 0.00% |
| DARAN L WYCKOFF3 | PO BOX 31233 SPOKANE, WA 99223 | AFLAC | $0 | $0 | $0 | 0.00% |
| BRYAN FINANCIAL GROUP LLC3 | 1031 NATIONAL ROAD WHEELING, WV 26003 | DEARBORN LIFE INSURANCE COMPANY | $831 | $0 | $831 | 14.99% |
| PARKER BENEFITS, INC.3 Filed as: PARKER BENEFITS, INC | C/O J. MARK SENGEWALT PO BOX 1948 PARKERSBURG, WV 26102 | DEARBORN LIFE INSURANCE COMPANY | $0 | $322 | $322 | 5.81% |
| HEALTHCARE REFORM ALTERNATIVES LLC3 | 2706 BAR HARBOUR CT LEWIS CENTER, OH 43035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 3.33% |
| KEVIN D HOWELL3 | 60 WEST COLUMBUS STREET THORNVILLE, OH 43076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 1.30% |
| DWAINE K HOWELL3 | 79 LAKEVIEW DRIVE THORNVILLE, OH 43076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 1.30% |
| JAMES D THOMAS3 | 5451 ST ANDREWS DR WESTERVILLE, OH 43082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 1.16% |
| CBF BENEFITS INC3 | 1309 HIDDEN HARBOR RD MYRTLE BEACH, SC 29577 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.14% |
| DIVERSIFIED FIN SVC INC3 | 1031 NATIONAL ROAD WHEELING, WV 26003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
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 | 180 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 118 | $1.2M |
| Dental | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 101 | $51K |
| Vision | VISION BENEFITS OF AMERICA | 85 | $11K |
| Life insurance(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 140 | $38K |
| Short-term disability | AFLAC | 26 | $13K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 140 | $18K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 140 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.