| 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 | $9K | — | $9K | 1.27% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $4K | — | $4K | 1.20% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $3K | — | $3K | 1.17% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $2K | — | $2K | 1.24% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $1K | — | $1K | 1.17% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $518 | — | $518 | 1.08% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | ONE AMERICA | $4K | $911 | $5K | 10.08% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH BENEFITS | $2K | — | $2K | 9.16% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH BENEFITS | $1K | — | $1K | 9.02% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH BENEFITS | $694 | — | $694 | 9.21% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $26 | — | $26 | — |
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 | 110 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(12 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 84 | $1.7M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 231 | $61K |
| Short-term disability | ONE AMERICA | 148 | $46K |
| Long-term disability | ONE AMERICA | 148 | $46K |
| Prescription drug(12 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 84 | $1.7M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 231 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.