| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 100 PINEWOOD LANE SUITE 301 WARRENDALE, PA 15086 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $23K | $0 | $23K | 2.01% |
| EMERSON REID LLC3 | 100 PINEWOOD LANE SUITE 301 WARRENDALE, PA 15086 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $3K | $0 | $3K | 5.48% |
| CALLEN W BRYAN3 | 115 HERITAGE DR WHEELING, WV 26003 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 13.67% |
| SHAWN MAURICE DONALDSON3 Filed as: SHAWN DONALDSON | 115 E CARDINAL AVE WHEELING, WV 26003 | AFLAC | $488 | $65 | $553 | 3.96% |
| BRIAN C WINGATE3 Filed as: BRIAN WINGATE | 106 TRESCOTT LN MORGANTOWN, WV 26505 | AFLAC | $484 | $13 | $497 | 3.56% |
| BETH A RICHARDSON3 Filed as: BETH RICHARDSON | 899 FLEMING AVE FAIRMONT, WV 26554 | AFLAC | $219 | $27 | $246 | 1.76% |
| CRYSTAL MARTIN3 | 57 LAVISTA DR MORGANTOWN, WV 26508 | AFLAC | $205 | $30 | $235 | 1.68% |
| ASHLEY STEVENS3 | 651 WASHINGTON AVE CLARKSBURG, WV 26301 | AFLAC | $231 | $0 | $231 | 1.65% |
| KAREN SUTPHIN3 | 81 TABLE ROCK LN WHEELING, WV 26003 | AFLAC | $135 | $0 | $135 | 0.97% |
| DORA M PRATT3 Filed as: DORA PRATT | 840 W 2ND ST WESTON, WV 26452 | AFLAC | $38 | $0 | $38 | 0.27% |
| TANDRA FAYE FREED3 Filed as: TANDRA FREED | 719 LAWMAN AVE BRIDGEPORT, WV 26330 | AFLAC | $37 | $0 | $37 | 0.26% |
| CHARLES HUGH MACKAY3 Filed as: CHARLES MACKAY | 2383 S MAIN ST STE B100 AKRON, OH 44319 | AFLAC | $29 | $0 | $29 | 0.21% |
| JAMES DANIEL MARTINETTE3 Filed as: JAMES KUCERA | 721 N FRONT ST WHEELING, WV 26003 | AFLAC | $27 | $0 | $27 | 0.19% |
| THOMAS J. MCCORD3 Filed as: THOMAS MCCORD | 36 MULBERRY LN BRIDGEPORT, WV 26330 | AFLAC | $25 | $0 | $25 | 0.18% |
| KITTY CORNELL3 | 1719 BRANDON WOODS DR LAWRENCE, KS 66047 | AFLAC | $18 | $0 | $18 | 0.13% |
| RPM LTD3 | PO BOX 1016 YULEE, FL 32041 | AFLAC | $18 | $0 | $18 | 0.13% |
| MICHAEL V BRITTON3 | 775 GREENBAG RD MORGANTOWN, WV 26508 | AFLAC | $16 | $0 | $16 | 0.11% |
| SHERMAN C BLAIR3 | 2392 MCCLELLANVILLE TER THE VILLAGES, FL 32162 | AFLAC | $15 | $0 | $15 | 0.11% |
| BRIAN CUMPTAN3 | 320 9TH ST STE 900 HUNTINGTON, WV 25701 | AFLAC | $12 | $0 | $12 | 0.09% |
| ALESSANDRA L GEORGE3 Filed as: ALESSANDRA GEORGE | 2329 ALPINE CT WHITEFISH, MT 59937 | AFLAC | $7 | $0 | $7 | 0.05% |
| DANIEL J KESSINGER3 Filed as: DANIEL KESSINGER | 40 BURNS LN SAINT MARYS, WV 26170 | AFLAC | $6 | $0 | $6 | 0.04% |
| HEALTH PLAN OF THE UPPER OH VALLEY3 | 52160 NATIONAL RD SAINT CLAIRSVILLE, OH 43950 | AFLAC | $4 | $0 | $4 | 0.03% |
| JOHN B LACARIA3 Filed as: JOHN LACARIA | 102 JENNIFER LN BRIDGEPORT, WV 26330 | AFLAC | $4 | $0 | $4 | 0.03% |
| THOMAS J STEPHENSON3 Filed as: THOMAS STEPHENSON | 31 STADELMAN CT CARTERSVILLE, GA 30120 | AFLAC | $3 | $0 | $3 | 0.02% |
| JUSTIN W DAVIS3 Filed as: JUSTIN DAVIS | 300 LIVE OAK CT SALEM, VA 24153 | AFLAC | $3 | $0 | $3 | 0.02% |
| STEPHEN D BISSELL3 Filed as: STEPHEN BISSELL | 239 ORCHARD XING MORGANTOWN, WV 26505 | AFLAC | $3 | $0 | $3 | 0.02% |
| MARK D JONES3 Filed as: MARK JONES | 306 CUNNINGHAM RUN RD PENNSBORO, WV 26415 | AFLAC | $2 | $0 | $2 | 0.01% |
| JUDY KAUFFMAN3 | P.O. BOX 135 NEW WILMINGTON, PA 16142 | AFLAC | $2 | $0 | $2 | 0.01% |
| ROBERT E KEMMER3 Filed as: ROBERT KEMMER | PO BOX 352 BUFFALO, OH 43722 | AFLAC | $2 | $0 | $2 | 0.01% |
| BRUCE MEYER3 | 10800 WINCHCOMBE DR DUBLIN, OH 43016 | AFLAC | $1 | $0 | $1 | 0.01% |
| PAUL B BROUCHOUD3 Filed as: PAUL BROUCHOUD | 604 MARK DR DEL CITY, OK 73115 | AFLAC | $1 | $0 | $1 | 0.01% |
| KRISTINE G WYCKOFF3 Filed as: KRISTINE WYCKOFF | PO BOX 31233 SPOKANE, WA 99223 | AFLAC | $1 | $0 | $1 | 0.01% |
| DARAN L WYCKOFF3 Filed as: DARAN WYCKOFF | PO BOX 31233 SPOKANE, WA 99223 | AFLAC | $1 | $0 | $1 | 0.01% |
| RANDY M SOMERMAN3 Filed as: RANDY SOMERMAN | 2819 WILLIAMSBURG CIR STOW, OH 44224 | AFLAC | $0 | $0 | $0 | 0.00% |
| BRANDY ANN HARTIN3 Filed as: BRANDY HARTIN | 12203 STATE ST TAMPA, FL 33635 | AFLAC | $0 | $0 | $0 | 0.00% |
| BRYAN FINANCIAL GROUP LLC3 | 1031 NATIONAL ROAD WHEELING, WV 26003 | DEARBORN LIFE INSURANCE COMPANY | $308 | $0 | $308 | 15.00% |
| HEATHCARE REFORM ALTERNATIVES LLC3 | 2706 BAR HARBOUR CT LEWIS CENTER, OH 43035 | COLONIAL LIFE & ACCIDENT INSURANCE | $15 | $0 | $15 | 2.26% |
| KEVIN D HOWELL3 | 60 WEST COLUMBUS STREET THORNVILLE, OH 43076 | COLONIAL LIFE & ACCIDENT INSURANCE | $10 | $0 | $10 | 1.51% |
| JAMES D THOMAS3 | 5451 ST ANDREWS ST WESTERSVILLE, OH 43082 | COLONIAL LIFE & ACCIDENT INSURANCE | $6 | $0 | $6 | 0.90% |
| DWAINE K HOWELL3 | 79 LAKEVIEW DRIVE THORNVILLE, OH 43076 | COLONIAL LIFE & ACCIDENT INSURANCE | $4 | $0 | $4 | 0.60% |
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 | 140 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 114 | $1.2M |
| Dental | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 100 | $48K |
| Vision | VISION BENEFITS OF AMERICA | 93 | $12K |
| Life insurance(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 135 | $34K |
| Short-term disability | AFLAC | 23 | $14K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 135 | $17K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 135 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.