| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES INC | PO BOX 593 HOLLIDAYSBURG, PA 16648 | UNITED CONCORDIA INSURANCE COMPANY | $3K | — | $3K | 3.99% |
| DIFFENDERFER, DENNIS, R3 | 1120 AUGUSTA CIR NORTH HUNTINGDON, PA 16542 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 12.28% |
| SMITH, THOMAS, CHRISTOPHER3 | 798 BERRY RD PO BOX 40386 NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $218 | — | $218 | 0.75% |
| DIFFENDERFER, DENNIS, R3 Filed as: DIFFENDERFER, DENNIS R | 1120 AUGUSTA CIR NORTH HUNTINGDON, PA 15642 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 16.05% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH, THOMAS CHRISTOPHER | 798 BERRY RD PO BOX 40386 NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $48 | — | $48 | 0.22% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES INC | PO BOX 593 HOLLIDAYSBURG, PA 16648 | STANDARD INSURANCE COMPANY | $684 | — | $684 | 3.79% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES INC | 1644 PLANK RD DUNCANSVILLE, PA 16635 | HIGHMARK INC. | $189 | — | $189 | 1.09% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES INC | PO BOX 593 HOLLIDAYSBURG, PA 16648 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 12.27% |
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 | 219 | 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) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 155 | $72K |
| Vision | HIGHMARK INC. | 161 | $17K |
| Life insurance | STANDARD INSURANCE COMPANY | 219 | $18K |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 57 | $43K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 219 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.