| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES, INC | PO BOX 593 HOLLIDAYSBURG, PA 16648 | ONEAMERICA, AMERICAN UNTIED LIFE INSURANCE COMPANY | $15K | — | $15K | 4.53% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES, INC. | PO BOX 593 HOLLIDAYSBURG, PA 16648 | VISION BENEFITS OF AMERICA | $3K | — | $3K | 5.00% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOLUTIONS LLC | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.10% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: LR WEBBER ASSOCIATES INC | PO BOX 593 HOLLIDAYSBURG, PA 16648 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $387 | — | $387 | 1.74% |
| INC, AHA FINANCIAL SOLUTIONS3 | 155 N WACKER DR STE 400 CHICAGO, IL 60606 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $145 | — | $145 | 0.65% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES, INC. | PO BOX 593 HOLLIDAYSBURG, PA 16648 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.00% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES INC | PO BOX 593 HOLLIDAYSBURG, PA 16648 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $892 | — | $892 | 10.00% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES INC | PO BOX 593 HOLLIDAYSBURG, PA 16648 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $755 | — | $755 | 10.01% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES INC | PO BOX 593 HOLLIDAYSBURG, PA 16648 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $750 | — | $750 | 10.00% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES INC | PO BOX 593 HOLLIDAYSBURG, PA 16648 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $702 | — | $702 | 10.00% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES INC | PO BOX 593 HOLLIDAYSBURG, PA 16648 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $591 | — | $591 | 10.00% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES INC | PO BOX 593 HOLLIDAYSBURG, PA 16648 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $415 | — | $415 | 10.00% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES INC | PO BOX 593 HOLLIDAYSBURG, PA 16648 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $362 | — | $362 | 9.99% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES INC | PO BOX 593 HOLLIDAYSBURG, PA 16648 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $152 | — | $152 | 9.99% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES INC | PO BOX 593 HOLLIDAYSBURG, PA 16648 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $134 | — | $134 | 9.99% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES INC | PO BOX 593 HOLLIDAYSBURG, PA 16648 | UNUM LIFE INSURANCE COMNPANY OF AMERICA | $62 | — | $62 | 10.03% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES INC | PO BOX 593 HOLLIDAYSBURG, PA 16648 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $57 | — | $57 | 10.07% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES INC | PO BOX 593 HOLLIDAYSBURG, PA 16648 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36 | — | $36 | 10.00% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES INC | PO BOX 593 HOLLIDAYSBURG, PA 16648 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16 | — | $16 | 10.00% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES INC | PO BOX 593 HOLLIDAYSBURG, PA 16648 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15 | — | $15 | 10.34% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES INC | PO BOX 593 HOLLIDAYSBURG, PA 16648 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2 | — | $2 | 9.52% |
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 | 730 | 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) | 730 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION BENEFITS OF AMERICA | 479 | $52K |
| Life insurance(2 contracts, 2 carriers) | ONEAMERICA, AMERICAN UNTIED LIFE INSURANCE COMPANY | 730 | $342K |
| Short-term disability | ONEAMERICA, AMERICAN UNTIED LIFE INSURANCE COMPANY | 730 | $320K |
| Long-term disability | ONEAMERICA, AMERICAN UNTIED LIFE INSURANCE COMPANY | 730 | $320K |
| Other(18 contracts, 4 carriers) | ONEAMERICA, AMERICAN UNTIED LIFE INSURANCE COMPANY | 730 | $403K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 730 | — |
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.