| 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 | $15K | — | $15K | 9.14% |
| 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 | 168 RIDGEWAY DR OAKLAND, MD 21550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $15 | $2K | 5.23% |
| ASSOCIATED FUIG LLC3 | 1 NORTH STREET ONANCOCK, VA 23417 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $583 | — | $583 | 1.90% |
| CARL BAY GOODWIN ESTATE3 | 565 WHEATRIDGE BLUFF ROSWELL, GA 30075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $332 | — | $332 | 1.08% |
| ROBERT J VONGUNTEN3 | 10341 WOODSBORO ROAD WOODSBORO, MD 21798 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $307 | $19 | $326 | 1.06% |
| DEIRDRE B HOEHN3 | 30885 FRESH POND WAY OCEAN VIEW, DE 19970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $322 | — | $322 | 1.05% |
| DAVID A BETMAN3 | 4106 STOCONGA DRIVE BELTSVILLE, MD 20705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | — | $92 | 0.30% |
| MULLANEY ENTERPRISES LLC3 | 5501 TWIN KNOLLS RD COLUMBIA, MD 21045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $11 | $26 | 0.08% |
| BRANDY BETSON3 | 18202 PRESTWICK DRIVE HAGERSTOWN, MD 21740 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.06% |
| LINDA S SHINN3 | 317 CHURCH ST PADEN CITY, WV 26159 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.06% |
| JEFFREY LEE LASKO3 | 218 POLARIS DRIVE WALKERSVILLE, MD 21793 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.04% |
| MARGARET F. GORMAN3 Filed as: MARGARET GORMAN | 2418 N OTTAWA ST ARLINGTON, VA 22205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| TIMOTHY J SLATER3 | 466 CARNEGIE DR PITTSBURGH, PA 15243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 5880 VENTURE DR DUBLIN, OH 43017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| MICHAEL DUANE WOLFE3 | 1051 MAIN ST LUMBERPORT, WV 26386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| MICHELLE ELAINE HILL3 Filed as: MICHELLE E HILL | 14228 BRIARWOOD TERRACE ROCKVILLE, MD 20853 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL J SLATER | 1624 HOLLY HILL DR BETHEL PARK, PA 15102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 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 | $4 | — | $4 | 0.01% |
| FRANK P DOHERTY3 Filed as: FRANK DOHERTY | 409 ROCKCREEK CIRCLE BERWYN, PA 19312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JOHN BETSON3 | 18202 PRESTWICK DRIVE HAGERSTOWN, MD 21740 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| KEVIN RAY JOHNSTON3 | 826 TREMONT ST MORGANTOWN, WV 26508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WESTGATE CORPORATE CENTER NONE | Insurance services Service code 23 | 477 MARTINSVILLE RD P.O. BOX 830 LIBERTY CORNER, NJ 07938 | $261K |
| CORESOURCE, INC. NONE | Claims processing Service code 12 | 400 FIELD DRIVE LAKE FOREST, IL 60045 | $117K |
| UNIMERICA INSURANCE COMPANY NONE | Insurance services Service code 23 | 11000 OPTUM CIRCLE EDEN PRAIRIE, MN 55344 | $100K |
| L.R. WEBBER ASSOCIATES NONE | Insurance agents and brokers Service code 22 | PO BOX 593 HOLLIDAYSBURG, PA 16648 | $61K |
| MARYLAND BANKERS ASSOCIATION EIN 52-1941961 NONE | Finders' fees / placement fees Service code 61 | — | $8K |
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 | 284 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 346 | $101K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 202 | $0 |
| Life insurance | ONEAMERICA, PARENT COMPANY OF AMERICAN UNITED LIFE INSURANCE COMPANY | 284 | $167K |
| Long-term disability | ONEAMERICA, PARENT COMPANY OF AMERICAN UNITED LIFE INSURANCE COMPANY | 284 | $167K |
| Other(2 contracts, 2 carriers) | ONEAMERICA, PARENT COMPANY OF AMERICAN UNITED LIFE INSURANCE COMPANY | 284 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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.