| 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 | $12K | — | $12K | 1.63% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $5K | — | $5K | 1.66% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $3K | — | $3K | 1.69% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $3K | — | $3K | 1.65% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $2K | — | $2K | 1.76% |
| TIMOTHY J REED3 Filed as: TIMOTHY R FULMER | 4142 DICKEY RD GIBSONIA, PA 15044 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.15% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | ONE AMERICA | $3K | $556 | $3K | 11.65% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $411 | — | $411 | 1.62% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $295 | — | $295 | 1.49% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH BENEFITS | $2K | — | $2K | 9.57% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH BENEFITS | $974 | — | $974 | 9.60% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH BENEFITS | $519 | — | $519 | 9.36% |
| TIMOTHY J REED3 Filed as: TIMOTHY R FULMER | 4142 DICKEY RD GIBSONIA, PA 15044 | STANDARD INSURANCE COMPANY | $651 | — | $651 | 11.81% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $60 | — | $60 | 1.85% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $22 | — | $22 | 1.49% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH BENEFITS | $12 | — | $12 | 8.70% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 112 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(13 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 92 | $1.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 228 | $62K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 108 | $57K |
| Long-term disability(2 contracts, 2 carriers) | ONE AMERICA | 108 | $33K |
| Prescription drug(13 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 92 | $1.6M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 228 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.