| 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 | $4K | — | $4K | 8.31% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L.R. WEBBER ASSOCIATES INC | PO BOX 593 HOLLIDAYSBURG, PA 16648 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: LR WEBBER ASSOCIATES INC | PO BOX 593 HOLLIDAYSBURG, PA 16648 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L. R. WEBBER ASSOCIATES, INC | PO BOX 593 HOLLIDAYSBURG, PA 16648 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L.R. WEBBER ASSOCIATES, INC | PO BOX 593 HOLLIDAYSBURG, PA 16648 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L.R. WEBBER ASSOCIATES, INC. | PO BOX 593 HOLLIDAYSBURG, PA 16648 | NGL | $1K | — | $1K | 10.00% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L.R. WEBBER ASSOCIATES INC. | PO BOX 593 HOLLIDAYSBURG, PA 16648 | UNITED CONCORDIA DENTAL PLANS, INC | $410 | — | $410 | 8.25% |
| MARY THERESA FISHER4 | 898 UNION CHURCH RD TOWNSEND, DE 19734 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $831 | — | $831 | 24.75% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: LR WEBBER ASSOCIATES INC | PO BOX 593 HOLLIDAYSBURG, PA 16648 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $270 | — | $270 | 8.04% |
| HILB GROUP OF NEW ENGLAND4 Filed as: THE HILB GROUP OF MARYLAND | 22934 THREE NOTCH RD UNIT B CALIFORNIA, MD 20619 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $77 | — | $77 | 2.29% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L. R. WEBBER ASSOCIATES, INC | PO BOX 593 HOLLIDAYSBURG, PA 16648 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $147 | — | $147 | 15.00% |
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 | 142 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 89 | $56K |
| Vision | NGL | 101 | $12K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 142 | $88K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 40 | $34K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 142 | $46K |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 152 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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."
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.