| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L. R. WEBBER ASSOCIATES | PO BOX 593 HOLLIDAYSBURG, PA 16648 | AMERICAN UNITED LIFE INSURANCE COMAPNY | $16K | — | $16K | 10.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNIMERICA INSURANCE COMPANY NONE | Insurance services Service code 23 | 11000 OPTUM CIRCLE EDEN PRARIE, MN 55344 | $549K |
| HIGHMARK EIN 23-1294723 NONE | Claims processing Service code 12 | — | $105K |
| THE BENECON GROUP, INC. EIN 23-1315351 NONE | Insurance agents and brokers Service code 22 | — | $33K |
| L. R. WEBBER ASSOCIATES, INC. EIN 25-1301205 NONE | Insurance agents and brokers Service code 22 | — | $33K |
| PBASC EIN 26-3958502 NONE | Plan Administrator Service code 14 | — | $7K |
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 | 355 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 303 | $237K |
| Vision | HIGHMARK | 311 | $37K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMAPNY | 155 | $153K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMAPNY | 155 | $153K |
| Other | AMERICAN UNITED LIFE INSURANCE COMAPNY | 155 | $153K |
| 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."
No prospect flags tripped on this filing.