| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L. R. WEBBER ASSOCIATES, INC | 1644 PLANK RD DUNCANSVILLE, PA 16635 | OPTUMHEALTH FINANCIAL SERVICES | $10K | — | $10K | 2.68% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: LR WEBBER ASSOCIATES INC | 1644 PLANK RD DUNCANSVILLE, PA 16635 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $2K | $19K | 6.90% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES INC. | 1644 PLANK ROAD DUNCANSVILLE, PA 16635 | VISION BENEFITS OF AMERICA | $2K | — | $2K | 10.00% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES, INC | 1644 PLANK RD DUNCANSVILLE, PA 16635 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $104 | $2K | 17.63% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L. R. WEBBER ASSOCIATES, INC | 1644 PLANK RD DUNCANSVILLE, PA 16635 | METROPOLITAN LIFE INSURANCE COMPANY | $932 | $33 | $965 | 17.84% |
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 | 311 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 311 | $269K |
| Vision | VISION BENEFITS OF AMERICA | 206 | $21K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 311 | $269K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 311 | $269K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 311 | $269K |
| Stop-loss / reinsurancereinsurance | OPTUMHEALTH FINANCIAL SERVICES | 240 | $378K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 311 | $288K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.