| 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 | $4K | $1K | $6K | 3.89% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L. R. WEBBER ASSOCIATES, INC. | 1644 OLD ROUTE 220N DUNCANSVILLE, PA 16635 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $7K | — | $7K | 5.36% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: LR WEBBER ASSOCIATES, INC | 1644 PLANK RD DUNCANSVILLE, PA 16635 | STANDARD INSURANCE COMPANY | $4K | $785 | $4K | 5.33% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: LR WEBBER ASSOCIATES, INC | 1644 PLANK RD DUNCANSVILLE, PA 16635 | STANDARD INSURANCE COMPANY | $5K | $507 | $5K | 9.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNIMERICA INSURANCE COMPANY NONE | Insurance services Service code 23 | 11000 OPTUM CIRCLE EDEN PRAIRIE, MN 55344 | $1.1M |
| L. R. WEBBER ASSOCIATES EIN 23-1301205 NONE | Insurance agents and brokers Service code 22 | — | $45K |
| THE BENECON GROUP INC EIN 23-1315351 NONE | Insurance agents and brokers Service code 22 | — | $42K |
| PBASC EIN 26-3958502 NONE | Plan Administrator Service code 14 | — | $13K |
| CAPITAL BLUE CROSS NONE | Claims processing Service code 12 | 2500 ELMERTON AVE HARRISBURG, PA 17177 | $12K |
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 | 285 | 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) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CAPITAL ADVANTAGE ASSURANCE COMPANY | 209 | $134K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 209 | $134K |
| Life insurance | STANDARD INSURANCE COMPANY | 285 | $152K |
| Short-term disability | STANDARD INSURANCE COMPANY | 285 | $84K |
| Long-term disability | STANDARD INSURANCE COMPANY | 285 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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.