| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $19K | — | $19K | 1.39% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $3K | — | $3K | 1.36% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: LR WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $3K | — | $3K | 1.39% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 100 SUMMIT LAKE DRIVE VALHALLA, NY 10595 | HARTFORD LIFE AND ACCIDENT | $7K | $4K | $11K | 7.37% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L. R. WEBBER ASSOCIATES, INC. | PO BOX 593 HOLLIDAYSBURG, PA 16648 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 1.03% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L. R. WEBBER ASSOCIATES, INC | 813 GARBER ST HOLLIDAYSBURG, PA 16648 | GUARDIAN | $4K | — | $4K | 4.00% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $563 | — | $563 | 1.34% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES INC. | 233 W. PITTSBURGH STREET GREENSBURG, PA 15601 | VISION BENEFITS OF AMERICA | $880 | — | $880 | 4.00% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $280 | — | $280 | 1.63% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $101 | — | $101 | 1.39% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $30 | — | $30 | 1.48% |
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 | 279 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts) | UPMC HEALTH OPTIONS | 219 | $1.9M |
| Dental | GUARDIAN | 211 | $89K |
| Vision | VISION BENEFITS OF AMERICA | 204 | $22K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 279 | $148K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 279 | $148K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 279 | $148K |
| Other | HARTFORD LIFE AND ACCIDENT | 279 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.