| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT RESOURCES | 2839 PACES FERRY RD SE STE 830 ATLANTA, GA 30339 | GRANULAR INSURANCE COMPANY | $36K | — | $36K | 7.00% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA RD. STE 120 PITTSBURGH, PA 15241 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 3.38% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L.R. WEBBER ASSOCIATES, INC. | 1644 PLANK RD DUNCANSVILLE, PA 16635 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $520 | — | $520 | 0.33% |
| DAVID E HAUCK3 | 5125 SHORELINE WAY VERMILION, OH 44089 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 4.57% |
| ARICK MARTIN3 | 427 S MEADOWCROFT AVE PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $189 | $3K | 2.76% |
| TIMOTHY J SLATER3 | 466 CARNEGIE DR PITTSBURGH, PA 15243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $87 | $1K | 1.31% |
| USI INSURANCE SERVICES LLC3 | 6 PPG PL STE 200 PITTSBURGH, PA 15222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.28% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA RD PITTSBURGH, PA 15241 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.03% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L.R. WEBBER ASSOCIATES INC | 1644 PLANK RD DUNCANSVILLE, PA 16635 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $551 | — | $551 | 0.50% |
| WILLIAM E GOOD3 | 545 TOM SAWYER RD DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA RD. STE 120 PITTSBURGH, PA 15241 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.97% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L.R. WEBBER ASSOCIATES, INC. | 1644 PLANK RD DUNCANSVILLE, PA 16635 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $717 | — | $717 | 1.66% |
| STALWART INSURANCE LLC3 Filed as: STALWART GROUP BENEFITS LLC | 2550 BOYCE PLAZA RD. STE 120 PITTSBURGH, PA 15241 | VISION BENEFITS OF AMERICA | $985 | — | $985 | 3.56% |
| LEAVITT GROUP3 Filed as: LEAVITT NORTHEAST INSURANCE, INC. | P.O. BOX 593 HOLLIDAYSBURG, PA 16648 | VISION BENEFITS OF AMERICA | $962 | — | $962 | 3.48% |
| MANUFACTURER & BUSINESS ASSOCIATION3 | 2171 WEST 38TH STREET ERIE, PA 16508 | VISION BENEFITS OF AMERICA | $548 | — | $548 | 1.98% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA RD. STE 120 PITTSBURGH, PA 15241 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 6.66% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L.R. WEBBER ASSOCIATES, INC. | 1644 PLANK RD DUNCASVILLE, PA 16635 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $712 | — | $712 | 3.34% |
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 | 288 | 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) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 279 | $144K |
| Vision | VISION BENEFITS OF AMERICA | 198 | $28K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 288 | $132K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 275 | $156K |
| Long-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 288 | $154K |
| Stop-loss / reinsurancereinsurance | GRANULAR INSURANCE COMPANY | 263 | $520K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 288 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.