| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BECKIE L. BECK3 | PO BOX 593 HOLLIDAYSBURG, PA 16648 | HIGHMARK INC | $29K | — | $29K | 2.87% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L. R. WEBBER ASSOCIATES, INC | PO BOX 593 HOLLIDAYSBURG, PA 16648 | THE LOOMIS COMPANY | $8K | — | $8K | 15.00% |
| BILL LAW3 | 600 KINGFRED DRIVE N HUNTINGDON, PA 15642 | THE LOOMIS COMPANY | $3K | — | $3K | 5.00% |
| CHARLES H AVERY JR.3 | 102 S KNIGHTS CROSSING DRIVE THE WOODLANDS, TX 77382 | THE LOOMIS COMPANY | $936 | — | $936 | 1.67% |
| RICK R. CLARY3 Filed as: RICK R CLARY | 4519 SOUTH OCEAN BLVD HIGHLAND BEACH, FL 33487 | THE LOOMIS COMPANY | $936 | — | $936 | 1.67% |
| ROY M JAMES3 | 3045 MONHEGAN WAY MOUNT PLEASANT, SC 29466 | THE LOOMIS COMPANY | $930 | — | $930 | 1.66% |
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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC | 100 | $1.0M |
| Prescription drug | HIGHMARK INC | 100 | $1.0M |
| Other | THE LOOMIS COMPANY | 69 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.