| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOWELL BENEFIT SERVICES INC3 Filed as: HOWELL BENEFIT SERVICES, INC. | 613 BALTIMORE DRIVE WILKESBARRE, PA 18702 | DELTA DENTAL OF PENNSYLVANIA | $4K | — | $4K | 8.15% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: LR WEBBER ASSOCIATES INC | 1644 PLANK ROAD DUNCANVSILLE, PA 16635 | DELTA DENTAL OF PENNSYLVANIA | $798 | — | $798 | 1.84% |
| HOWELL BENEFIT SERVICES INC3 Filed as: HOWELL BENEFIT SERVICES, INC. | 613 BALTIMORE DRIVE WILKESBARRE, PA 18702 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.28% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: LR WEBBER ASSOCIATES INC | PO BOX 593 HOLLIDAYSBURG, PA 16648 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $921 | — | $921 | 3.65% |
| HOWELL BENEFIT SERVICES INC3 Filed as: HOWELL BENEFIT SERVICES, INC. | 613 BALTIMORE DRIVE WILKESBARRE, PA 18702 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.69% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: LR WEBBER ASSOCIATES, INC | PO BOX 593 HOLLIDAYSBURG, PA 16648 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $456 | — | $456 | 3.02% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 0 | $43K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 0 | $15K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 0 | $25K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 0 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.