| 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 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 4.64% |
| JON S FRANK & ASSOCIATES INC3 Filed as: JON S FRANK & ASSOC INC | 205 WEST DARES RD PRINCE FREDERICK, MD 20678 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $420 | — | $420 | 0.37% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FINA | 6200 CANOGA AVE SUITE 300 WOODLAND HILLS, CA 91367 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $252 | — | $252 | 0.22% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L. R. WEBBER ASSOCIATES | 1644 PLANK ROAD DUNCANSVILLE, PA 16635 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 11.68% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L.R. WEBBER ASSOCIATES | 1644 PLANK ROAD DUNCANSVILLE, PA 16635 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $628 | $5K | 17.33% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L.R. WEBBER ASSOCIATES | 1644 PLANK ROAD DUNCANSVILLE, PA 16635 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $543 | $4K | 15.80% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L.R. WEBBER ASSOCIATES | 1644 PLANK ROAD DUNCANSVILLE, PA 16635 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $576 | $3K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SIRIUS AMERICA INSURANCE COMPANY NONE | Insurance services Service code 23 | 140 BROADWAY NEW YORK, NY 10005 | $252K |
| SIGNIFICA BENEFIT SERVICES, INC. NONE | Claims processing Service code 12 | P.O. BOX 7777 LANCASTER, PA 17604 | $51K |
| L.R. WEBBER ASSOCIATES NONE | Insurance agents and brokers Service code 22 | PO BOX 593 HOLLIDAYSBURG, PA 16648 | $32K |
| MARYLAND BANKERS ASSOCIATION EIN 52-1941961 NONE | Finders' fees / placement fees Service code 61 | — | $4K |
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 | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 123 | $115K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 123 | $115K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 160 | $27K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 160 | $22K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 160 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.