| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA | 125 E. ELM ST CONSHOHOCKEN, PA 19428 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $5K | — | $5K | 7.34% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES, INC | 1644 PLANK ROAD DUNCANSVILLE, PA 16635 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $1K | — | $1K | 2.36% |
| NNB FINANCIAL SERVICES LLC3 Filed as: NNB FINANCIAL SERVICES, LLC | 87 LORI LN SELINGSGROVE, PA 17870 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 9.65% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES, INC | 1644 PLANK ROAD DUNCANSVILLE, PA 16635 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.35% |
| NNB FINANCIAL SERVICES LLC3 | 87 LORI LN SELINSGROVE, PA 17870 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 14.24% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES, INC | 1644 PLANK RD DUNCANSVILLE, PA 16635 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.76% |
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 | 93 | 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) | 93 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CAPITAL ADVANTAGE ASSURANCE COMPANY | 78 | $63K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 78 | $63K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 93 | $46K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 93 | $34K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 93 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 93 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.