| 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 | $1K | $6K | 3.93% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: LR WEBBER ASSOCIATES INC | PO BOX 593 HOLLIDAYSBURG, PA 16648 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $2K | $5K | 5.20% |
| THE BENECON GROUP3 Filed as: THE BENECON GROUP INC | PO BOX 5406 LANCASTER, PA 17606 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.51% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 2 AQUARIUM DR STE 200 THE FERRY TERMINAL BUILDING CAMDEN, NC 08103 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 2 AQUARIUM DR STE 200 THE FERRY TERMINAL BUILDING CAMDEN, NJ 08103 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: LR WEBBER ASSOCIATES, INC | 1644 PLANK RD DUNCANSVILLE, PA 16635 | STANDARD INSURANCE COMPANY | $4K | $513 | $4K | 5.50% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR #200 CAMDEN, NJ 08103 | STANDARD INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: LR WEBBER ASSOCIATES, INC | 1644 PLANK RD DUNCANSVILLE, PA 16635 | STANDARD INSURANCE COMPANY | $5K | $327 | $5K | 10.73% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L. R. WEBBER ASSOCIATES, INC. | PO BOX 593 HOLLIDAYSBURG, PA 16648 | HEARTLAND | $1K | — | $1K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNIMERICA INSURANCE COMPANY NONE | Insurance services Service code 23 | 11000 OPTUM CIRCLE EDEN PRAIRIE, MN 55344 | $875K |
| L. R. WEBBER ASSOCIATES EIN 23-1301205 NONE | Insurance agents and brokers Service code 22 | — | $37K |
| THE BENECON GROUP INC EIN 23-1315351 NONE | Insurance agents and brokers Service code 22 | — | $37K |
| PBASC EIN 26-3958502 NONE | Plan Administrator Service code 14 | — | $11K |
| CAPITAL BLUE CROSS NONE | Claims processing Service code 12 | 2500 ELMERTON AVE HARRISBURG, PA 17177 | $0 |
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 | 281 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 207 | $97K |
| Vision | HEARTLAND | 170 | $25K |
| Life insurance | STANDARD INSURANCE COMPANY | 281 | $143K |
| Short-term disability | STANDARD INSURANCE COMPANY | 281 | $79K |
| Long-term disability | STANDARD INSURANCE COMPANY | 281 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.