| 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 | $6K | — | $6K | 5.00% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L. R. WEBBER ASSOCIATES | 1644 PLANK ROAD DUNCANSVILLE, PA 16635 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 8.04% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L.R. WEBBER ASSOCIATES | 1644 PLANK ROAD DUNCANSVILLE, PA 16635 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 14.82% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L.R. WEBBER ASSOCIATES | 1644 PLANK ROAD DUNCANSVILLE, PA 16635 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L.R. WEBBER ASSOCIATES | 1644 PLANK ROAD DUNCANSVILLE, PA 16635 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 12.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNIMERICA INSURANCE COMPANY NONE | Insurance services Service code 23 | 11000 OPTUM CIRCLE EDEN PRARIE, MN 079380830 | $275K |
| WESTGATE CORPORATE CENTER NONE | Insurance services Service code 23 | 477 MARTINSVILLE RD P.O. BOX 830 LIBERTY CORNER, NJ 07938 | $96K |
| TRUSTMARK HEALTH BENEFITS, INC. NONE | Claims processing Service code 12 | 6240 SPRINT PKWY OVERLAND PARK, KS 66211 | $75K |
| L.R. WEBBER ASSOCIATES NONE | Insurance agents and brokers Service code 22 | PO BOX 593 HOLLIDAYSBURG, PA 16648 | $43K |
| MARYLAND BANKERS ASSOCIATION EIN 52-1941961 NONE | Finders' fees / placement fees Service code 61 | — | $6K |
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 | 178 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $122K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $122K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $61K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $28K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.