| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IOA - INSURANCE OFFICE OF AMERICA3 Filed as: IOA RE | 190 W GERMANTOWN PIKE, SUITE 200 EAST NORRITON, PA 19401 | AMERICAN NATIONAL INSURANCE COMPANY | $0 | $310K | $310K | 69.14% |
| THE EMPLOYEE BENEFIT SERVICE CENTER3 | 4430 KANAWHA TURNPIKE SOUTH CHARLESTON, WV 25309 | AMERICAN NATIONAL INSURANCE COMPANY | $0 | $42K | $42K | 9.37% |
| S&S HEALTH CARE3 Filed as: S & S HEALTH CARE | 1385 KEMPER MEADOW DRIVE CINCINNATI, OH 45240 | AMERICAN NATIONAL INSURANCE COMPANY | $0 | $38K | $38K | 8.53% |
| INTRA STATE INSURANCE CORP3 Filed as: INTRA-STATE INSURANCE CORP | PO BOX 5526 VIENNA, WV 26105 | AMERICAN NATIONAL INSURANCE COMPANY | $24K | $0 | $24K | 5.38% |
| VISION SERVICE PLAN3 Filed as: VSP INSURANCE | PO BOX 742788 LOS ANGELES, CA 90074 | AMERICAN NATIONAL INSURANCE COMPANY | $0 | $14K | $14K | 3.17% |
| INS SOURCE3 | 145 COLUMBUS ROAD ATHENS, OH 45701 | AMERICAN NATIONAL INSURANCE COMPANY | $10K | $0 | $10K | 2.30% |
| QUALITY CARE PARTNERS3 | 33 SOUTH 5TH STREET ZANESVILLE, OH 43701 | AMERICAN NATIONAL INSURANCE COMPANY | $0 | $9K | $9K | 2.11% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15219 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.83% |
| GCG FINANCIAL LLC3 Filed as: ALERO GROUP INC | 965 GREENTREE RD STE 110 PITTSBURGH, PA 15220 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $34 | $2K | 5.09% |
| ARMS INSURANCE GROUP LLC3 | 3000 LENTO BLVD BETHEL PARK, PA 15102 | METROPOLITAN LIFE INSURANCE COMPANY | $727 | $0 | $727 | 1.82% |
| DOUG W CLATTERBUCK3 | 2066 NATIONAL ROAD WHEELING, WV 26003 | AFLAC | $1K | $0 | $1K | 2.78% |
| JAYDE F HARFORD3 | 940 BUFFINGTON ROAD NEW SALEM, PA 15468 | AFLAC | $859 | $69 | $928 | 2.43% |
| DIANNA KIRK3 | 1025 SHAWNEE TRL ELKVIEW, WV 25071 | AFLAC | $293 | $0 | $293 | 0.77% |
| JEFFERY CORREAL3 | 442 DUCK HOLLOW ROAD UNIONTOWN, PA 15401 | AFLAC | $148 | $0 | $148 | 0.39% |
| JENNIFER M HAIR3 | 29 OAKVILLE CT APT 2B PITTSBURGH, PA 15220 | AFLAC | $105 | $16 | $121 | 0.32% |
| BRANDON L MILLER3 | 5852 EMPIRE MILLS RUN CANAL WINCHESTER, OH 43110 | AFLAC | $98 | $0 | $98 | 0.26% |
| CHARLES A HUTCHINSON3 | 2795 ROBERT C BYRD DRIVE BECKLY, WV 25801 | AFLAC | $95 | $0 | $95 | 0.25% |
| JORN EARL OTTE3 | 1119 MAXWELL HILL ROAD BECKLY, WV 25801 | AFLAC | $73 | $0 | $73 | 0.19% |
| SUSAN BALL3 | 203 DESERT SKY DRIVE MCGREGOR, TX 76657 | AFLAC | $72 | $0 | $72 | 0.19% |
| KATHY J DENT3 | 124 MARGY LN SOUTH CHARLESTON, WV 25309 | AFLAC | $59 | $0 | $59 | 0.15% |
| WAYNE UZARSKI3 Filed as: WAYNE J UZARSKI | 15 TECHNOLOGY DRIVE STE 201 CANNONSBURG, PA 15317 | AFLAC | $35 | $16 | $51 | 0.13% |
| TYRONE K PERSINGER3 | 998 KELLY HILL ROAD CLENDENIN, WV 25045 | AFLAC | $44 | $0 | $44 | 0.12% |
| CHARLES E MCNEIL3 | 817 SCOTT DEPOT ROAD SCOTT DEPOT, WV 25560 | AFLAC | $40 | $0 | $40 | 0.10% |
| MARK D JONES3 | 306 CUNNINGHAM RUN ROAD PENNSBORO, WV 26415 | AFLAC | $36 | $0 | $36 | 0.09% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $31 | $0 | $31 | 0.08% |
| TANDRA FAYE FREED3 | 719 LAWMAN AVE BRIDGEPORT, WV 26330 | AFLAC | $30 | $0 | $30 | 0.08% |
| BRYAN C SWYERS3 | 2429 HYDE PARK ROAD JEFFERSON CITY, MT 65109 | AFLAC | $29 | $0 | $29 | 0.08% |
| RPM LTD3 | PO BOX 1016 YULEE, FL 32041 | AFLAC | $24 | $0 | $24 | 0.06% |
| DENNIS HARTIN3 Filed as: DENNIS SCOTT HARTIN | 12203 STATE STREET TAMPA, FL 33635 | AFLAC | $23 | $0 | $23 | 0.06% |
| DIANA BOSSIE3 | 5611 KANAWHA AVE SE CHARELSTON, WV 25304 | AFLAC | $20 | $0 | $20 | 0.05% |
| BRIAN CUMPTAN3 | 320 9TH STREET STE 200 HUNTINGTON, WV 25701 | AFLAC | $13 | $0 | $13 | 0.03% |
| JAMES DANIEL MARTINETTE3 Filed as: JAMES R KUCERA | 639 N ERIE STREET WHEELING, WV 26003 | AFLAC | $10 | $0 | $10 | 0.03% |
| JAMES M BROCK3 | 3116 WILLIAMSON COUNTY PARKWAY MARION, IL 62959 | AFLAC | $7 | $0 | $7 | 0.02% |
| WILLIAM O CORNELL3 | 121 LIME ROAD NE LAKE PLACID, FL 33852 | AFLAC | $5 | $0 | $5 | 0.01% |
| TIMOTHY ALLEN JAMES3 | 2967 TRACE CREEK ROAD HURRICANE, WV 25526 | AFLAC | $5 | $0 | $5 | 0.01% |
| JOHN B LACARIA3 | 102 JENNIFER LANE BRIDGEPORT, WV 26330 | AFLAC | $3 | $0 | $3 | 0.01% |
| BRANDY ANN HARTIN3 | 12203 STATE STREET TAMPA, FL 33635 | AFLAC | $3 | $0 | $3 | 0.01% |
| DARAN L WYCKOFF3 | PO BOX 31233 SPOKANE, WA 99223 | AFLAC | $3 | $0 | $3 | 0.01% |
| BRADLEY L ELLIS3 | 6807 GRAINERY ROAD TIMNATH, CO 80547 | AFLAC | $3 | $0 | $3 | 0.01% |
| LINDA P FOSCO3 | 5710 VICTORY AVE CHARLESTON, WV 25304 | AFLAC | $2 | $0 | $2 | 0.01% |
| THOMAS J STEPHENSON3 | 31 STADELMAN COURT CARTERSVILLE, GA 30120 | AFLAC | $2 | $0 | $2 | 0.01% |
| JUSTIN W DAVIS3 | 300 LIVE OAK COURT SALEM, VA 24153 | AFLAC | $2 | $0 | $2 | 0.01% |
| CHARLES MARC SHOWALTER3 Filed as: CHARLES MARK SHOWALTER | 200 PENNY LANE ELKVIEW, WV 25071 | AFLAC | $2 | $0 | $2 | 0.01% |
| CHRISTOPHER SMITH3 | 19 OLD CROW DRIVE BARBOURSVILLE, WV 25504 | AFLAC | $2 | $0 | $2 | 0.01% |
| KRISTINE G WYCKOFF3 | PO BOX 31233 SPOKANE, WA 99223 | AFLAC | $1 | $0 | $1 | 0.00% |
| RODNEY BALLANCE JR3 Filed as: RODNEY D BALLANCE JR | 1235 GARRETT ROAD WILLIAMSTON, NC 27892 | AFLAC | $0 | $0 | $0 | 0.00% |
| PAUL B BROUCHOUD3 | 604 MARK DRIVE DEL CITY, OK 73115 | AFLAC | $0 | $0 | $0 | 0.00% |
| DESA LLC3 | 11861 LEXINGTON DRIVE DUNKIRK, MD 20754 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $959 | $0 | $959 | 2.75% |
| JAMES D THOMAS3 | 5451 ST ANDREWS DRIVE WESTERVILLE, OH 43082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $767 | $4 | $771 | 2.21% |
| HEALTHCARE REFORM ALTERNATIVES LLC3 | 2706 BAR HARBOUR CT LEWIS CENTER, OH 43035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $707 | $14 | $721 | 2.07% |
| NICK WISDA3 | 2196 TOWNSHIP ROAD 55 NEVADA, OH 44849 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $385 | $0 | $385 | 1.10% |
| MICHAEL W BOYER3 | 7587 HONDA HILLS ROAD THORMVILLE, OH 43076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $184 | $0 | $184 | 0.53% |
| ALAN ROSENBERGER3 | 13 PHAROAHS RUN ROAD RIVESVILLE, WV 26588 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $157 | $0 | $157 | 0.45% |
| STEPHEN M HODGSON3 | 4430 KANAWHA TPKE CHARLESTON, WV 25309 | VISION SERVICE PLAN | $855 | $0 | $855 | 6.02% |
| INTRA STATE INSURANCE CORP3 Filed as: INTRA STATE INS. CORP. | PO BOX 5526 VIENNA, WV 26105 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $1K | $0 | $1K | 15.00% |
| INTRA STATE INSURANCE CORP3 Filed as: INTRA-STATE INSURANCE CORP | PO BOX 5526 PARKERSBURG, WV 26105 | ERIE FAMILY LIFE | $652 | $195 | $847 | 13.00% |
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 | 261 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN NATIONAL INSURANCE COMPANY | 243 | $448K |
| Vision(2 contracts, 2 carriers) | AMERICAN NATIONAL INSURANCE COMPANY | 243 | $463K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 518 | $40K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 518 | $40K |
| Stop-loss / reinsurancereinsurance | AMERICAN NATIONAL INSURANCE COMPANY | 243 | $448K |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 518 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 518 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.