| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $6K | — | $6K | 0.85% |
| JJAN FINANCIAL3 | 412 ALLEGHENY ST. PO BOX 197 HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $5K | — | $5K | 0.64% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $3K | — | $3K | 1.12% |
| JJAN FINANCIAL3 | 412 ALLEGHENY ST. PO BOX 197 HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $2K | — | $2K | 0.76% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $2K | — | $2K | 0.91% |
| JJAN FINANCIAL3 | 412 ALLEGHENY ST. PO BOX 197 HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $1K | — | $1K | 0.60% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $1K | — | $1K | 0.91% |
| JJAN FINANCIAL3 | 412 ALLEGHENY ST. PO BOX 197 HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $1K | — | $1K | 0.64% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $1K | — | $1K | 0.90% |
| JJAN FINANCIAL3 | 412 ALLEGHENY ST. PO BOX 197 HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $798 | — | $798 | 0.55% |
| TIMOTHY J REED3 Filed as: TIMOTHY R FULMER | 4142 DICKEY RD GIBSONIA, PA 15044 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.56% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $203 | — | $203 | 0.85% |
| JJAN FINANCIAL3 | 412 ALLEGHENY ST. PO BOX 197 HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $153 | — | $153 | 0.64% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH BENEFITS | $1K | — | $1K | 6.33% |
| JJAN FINANCIAL3 | 412 ALLEGHENY ST. PO BOX 197 HOLLIDAYSBURG, PA 16648 | UPMC HEALTH BENEFITS | $449 | — | $449 | 2.68% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH BENEFITS | $622 | — | $622 | 6.26% |
| JJAN FINANCIAL3 | 412 ALLEGHENY ST. PO BOX 197 HOLLIDAYSBURG, PA 16648 | UPMC HEALTH BENEFITS | $291 | — | $291 | 2.93% |
| TIMOTHY J REED3 Filed as: TIMOTHY R FULMER | 4142 DICKEY RD GIBSONIA, PA 15044 | STANDARD INSURANCE COMPANY | $757 | — | $757 | 11.48% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH BENEFITS | $291 | — | $291 | 6.42% |
| JJAN FINANCIAL3 | 412 ALLEGHENY ST. PO BOX 197 HOLLIDAYSBURG, PA 16648 | UPMC HEALTH BENEFITS | $148 | — | $148 | 3.26% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $59 | — | $59 | 1.44% |
| JJAN FINANCIAL3 | 412 ALLEGHENY ST. PO BOX 197 HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $25 | — | $25 | 0.61% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $12 | — | $12 | 0.78% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH BENEFITS | $12 | — | $12 | 17.65% |
| JJAN FINANCIAL3 | 412 ALLEGHENY ST. PO BOX 197 HOLLIDAYSBURG, PA 16648 | UPMC HEALTH BENEFITS | $16 | — | $16 | — |
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 | 134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 117 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(13 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 104 | $1.5M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 251 | $64K |
| Short-term disability | STANDARD INSURANCE COMPANY | 97 | $40K |
| Long-term disability | STANDARD INSURANCE COMPANY | 31 | $7K |
| Prescription drug(13 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 104 | $1.5M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 251 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.