| 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 | ONEAMERICA, PARENT COMPANY OF AMERICAN UNITED LIFE INSURANCE COMPANY | $18K | $2K | $19K | 10.90% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L.R. WEBBER ASSOCIATES, INC. | PO BOX 593 HOLLIDAYSBURG, PA 16648 | DELTA DENTAL OF PENNSYLVANIA | $5K | — | $5K | 5.00% |
| KIMBERLY FERGUSON3 Filed as: KIMBERLY M FERGUSON | 4059 LOMAR DRIVE MR. AIRY, MD 21771 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $44 | $2K | 4.96% |
| ASSOCIATED FUIG LLC3 | 1 NORTH ST ONANCOCK, VA 23417 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $623 | — | $623 | 1.58% |
| DEIRDRE B HOEHN3 | 30885 FRESH POND WAY OCEAN VIEW, DE 19970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $467 | $31 | $498 | 1.26% |
| CARL BAY GOODWIN ESTATE3 | 565 WHEATRIDGE BLUFF ROSWELL, GA 30075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $463 | — | $463 | 1.17% |
| DAVID A BETMAN3 | 4106 STOCONGA DRIVE BELTSVILLE, MD 20705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $145 | — | $145 | 0.37% |
| CHRISTINE PHILLIPS3 | 11280 KINGSTEAD RD DAMASCUS, MD 20872 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $136 | — | $136 | 0.34% |
| BRANDY BETSON3 | 18202 PRESTWICK DRIVE HAGERSTOWN, MD 21740 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $3 | $41 | 0.10% |
| LINDA S SHINN3 | 317 CHURCH ST PADEN CITY, WV 26159 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.05% |
| MARGARET F. GORMAN3 Filed as: MARGARET GORMAN | 2418 N OTTAWA ST ARLINGTON, VA 22205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.05% |
| ALAN ROSENBERGER3 | 13 PHAROAHS RUN RD RIVESVILLE, WV 26588 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.04% |
| JEFFREY LEE LASKO3 | 218 POLARIS DRIVE WALKERSVILLE, MD 21793 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.04% |
| ROBERT J VONGUNTEN3 | 10341 WOODSBORO ROAD WOODSBORO, MD 21798 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.03% |
| MICHELLE ELAINE HILL3 Filed as: MICHELLE E HILL | 14228 BRIARWOOD TERRACE ROCKVILLE, MD 20853 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.03% |
| MELODY WOLFE3 | 1051 MAIN STREET LUMBERPORT, WV 26386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.03% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 5880 VENTURE DR DUBLIN, OH 43017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| MICHAEL DUANE WOLFE3 | PO BOX 1638 CLARKSBURG, WV 26302 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| TIMOTHY J SLATER3 Filed as: TIMOTHY SLATER | 821 WHITE OAK CIRCLE PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| DANIEL SLATER3 | 1624 HOLLY HILL DRIVE BETHEL PARK, PA 15102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| FRANK P DOHERTY3 Filed as: FRANK DOHERTY | 409 ROCKCREEK CIRCLE BERWYN, PA 19312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| MOUNTAIN STATE EMPLOYEE BENEFITS3 Filed as: MOUNTAIN STATE EMPLOYEE BENEFITS LL | 103 6TH AVENUE ST. ALBANS, WV 25177 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| MOUNTAIN STATE EMPLOYEE BENEFITS3 Filed as: MOUNTAIN STATE EMLOYEES LI | 103 6TH AVE ST ALBANS, WV 25177 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| JOHN BETSON3 | 18202 PRESTWICK DRIVE HAGERSTOWN, MD 21740 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.01% |
| TIMOTHY SHILEY3 | 4779 SAINT MARKS RD JEFFERSON, MD 21755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| KEVIN RAY JOHNSTON3 | 826 TREMONT ST MORGANTOWN, WV 26508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SIRIUS AMERICA INSURANCE COMPANY NONE | Insurance services Service code 23 | 140 BROADWAY NEW YORK, NY 10005 | $271K |
| SIGNIFICA BENEFIT SERVICES, INC. NONE | Claims processing Service code 12 | P.O. BOX 7777 LANCASTER, PA 17604 | $98K |
| L.R. WEBBER ASSOCIATES NONE | Insurance agents and brokers Service code 22 | PO BOX 593 HOLLIDAYSBURG, PA 16648 | $52K |
| INETICO NONE | Other services Service code 49 | 4913 W LAUREL ST SUITE A TAMPA, FL 33607 | $7K |
| MARYLAND BANKERS ASSOCIATION EIN 52-1941961 NONE | Finders' fees / placement fees Service code 61 | — | $7K |
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 | 328 | 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) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF PENNSYLVANIA | 208 | $95K |
| Life insurance | ONEAMERICA, PARENT COMPANY OF AMERICAN UNITED LIFE INSURANCE COMPANY | 328 | $177K |
| Long-term disability | ONEAMERICA, PARENT COMPANY OF AMERICAN UNITED LIFE INSURANCE COMPANY | 328 | $177K |
| Other(2 contracts, 2 carriers) | ONEAMERICA, PARENT COMPANY OF AMERICAN UNITED LIFE INSURANCE COMPANY | 328 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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.