| 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 | 9.05% |
| 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 | $1K | $11 | $1K | 3.93% |
| ASSOCIATED FUIG LLC3 | 1 NORTH STREET ONANCOCK, VA 23417 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $680 | — | $680 | 2.04% |
| ROBERT J VONGUNTEN3 | 10341 WOODSBORO ROAD WOODSBORO, MD 21798 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $335 | $7 | $342 | 1.02% |
| DEIRDRE B HOEHN3 | 30885 FRESH POND WAY OCEAN VIEW, DE 19970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $224 | — | $224 | 0.67% |
| PAMELA GREGG3 | 15001 SAINT THOMAS CHURCH RD UPPER MALBORO, MD 20772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $204 | $10 | $214 | 0.64% |
| CARL BAY GOODWIN ESTATE3 | 565 WHEATRIDGE BLUFF ROSWELL, GA 30075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $136 | — | $136 | 0.41% |
| DAVID A BETMAN3 | 4106 STOCONGA DRIVE BELTSVILLE, MD 20705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 0.19% |
| MARKS BENEFIT MANAGEMENT LLC3 Filed as: MARKS BENEFIT MANAGEMENT | 3847 E SPYGLASS HILL DR FAYETTEVILLE, AR 72701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $1 | $30 | 0.09% |
| BRANDY BETSON3 | 18202 PRESTWICK DRIVE HAGERSTOWN, MD 21740 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.07% |
| LINDA S SHINN3 | 317 CHURCH ST PADEN CITY, WV 26159 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 5880 VENTURE DR DUBLIN, OH 43017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| TIMOTHY J SLATER3 | 466 CARNEGIE DR PITTSBURGH, PA 15243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| MARGARET F. GORMAN3 Filed as: MARGARET GORMAN | 2418 N OTTAWA ST ARLINGTON, VA 22205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| MICHAEL DUANE WOLFE3 | 1051 MAIN ST LUMBERPORT, WV 26386 | 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 | $3 | — | $3 | 0.01% |
| JEFFREY LEE LASKO3 | 218 POLARIS DRIVE WALKERSVILLE, MD 21793 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| KYLE HARDING0 | 520 W 12TH ST TEXARKANA, TX 75501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| FRANK P DOHERTY3 Filed as: FRANK DOHERTY | 409 ROCKCREEK CIRCLE BERWYN, PA 19312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL J SLATER | 1624HOLLY HILL DRIVE BETHEL PARK, PA 15102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| JOHN BETSON3 | 18202 PRESTWICK DRIVE HAGERSTOWN, MD 21740 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 299 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 175 | $93K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 196 | $14K |
| Life insurance | ONEAMERICA, PARENT COMPANY OF AMERICAN UNITED LIFE INSURANCE COMPANY | 299 | $171K |
| Long-term disability | ONEAMERICA, PARENT COMPANY OF AMERICAN UNITED LIFE INSURANCE COMPANY | 299 | $171K |
| Other(2 contracts, 2 carriers) | ONEAMERICA, PARENT COMPANY OF AMERICAN UNITED LIFE INSURANCE COMPANY | 299 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.