| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: LR WEBBER ASSOCIATES, INC | 1644 PLANK RD DUNCANSVILLE, PA 16635 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 2.85% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L. R. WEBBER ASSOCIATES, INC. | 1644 OLD ROUTE 220N DUNCANSVILLE, PA 16635 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $7K | — | $7K | 5.39% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: LR WEBBER ASSOCIATES, INC | 1644 PLANK RD DUNCANSVILLE, PA 16635 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 4.21% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: LR WEBBER ASSOCIATES, INC | 1644 PLANK RD DUNCANSVILLE, PA 16635 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 8.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNIMERICA INSURANCE COMPANY NONE | Insurance services Service code 23 | 11000 OPTUM CIRCLE EDEN PRAIRIE, MN 55344 | $1.3M |
| L. R. WEBBER ASSOCIATES EIN 23-1301205 NONE | Insurance agents and brokers Service code 22 | — | $69K |
| THE BENECON GROUP INC EIN 23-1315351 NONE | Insurance agents and brokers Service code 22 | — | $55K |
| PBASC EIN 26-3958502 NONE | Plan Administrator Service code 14 | — | $17K |
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 | 301 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CAPITAL ADVANTAGE ASSURANCE COMPANY | 262 | $132K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 262 | $132K |
| Life insurance | STANDARD INSURANCE COMPANY | 301 | $163K |
| Short-term disability | STANDARD INSURANCE COMPANY | 301 | $91K |
| Long-term disability | STANDARD INSURANCE COMPANY | 301 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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."
No prospect flags tripped on this filing.