| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $22K | — | $22K | 1.31% |
| JJAN FINANCIAL3 | 412 ALLEGHENY ST. PO BOX 197 HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $12K | — | $12K | 0.71% |
| TRI-STATE UNION BENEFITS3 Filed as: TRI-STATE UNION BENEFITS CORP | 177 W ROCK AVE NEW HAVEN, CT 06515 | RELIASTAR LIFE INSURANCE COMPANY | $131K | — | $131K | 8.99% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 101 PARK AVE FL 12 NEW YORK, NY 10178 | METROPOLITAN LIFE INSURANCE COMPANY | — | $45 | $45 | 0.00% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $10K | — | $10K | 1.33% |
| JJAN FINANCIAL3 | 412 ALLEGHENY ST. PO BOX 197 HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $5K | — | $5K | 0.68% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $3K | — | $3K | 1.31% |
| JJAN FINANCIAL3 | 412 ALLEGHENY ST. PO BOX 197 HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $1K | — | $1K | 0.52% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: LR WEBBER ASSOCIATES INC | PO BOX 593 HOLLIDAYSBURG, PA 16648 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 3.51% |
| WORKPLACE SOLUTIONS, INC.3 Filed as: WORKPLACE SOLUTIONS INC | 120A GILLS GREEK PKWY COLUMBIA, SC 29209 | RELIASTAR LIFE INSURANCE COMPANY | $3K | — | $3K | 3.65% |
| TRI-STATE UNION BENEFITS3 Filed as: TRI-STATE UNION BENEFITS CORP. | 5624 201ST ST OAKLAND GARDENS, NY 11364 | RELIASTAR LIFE INSURANCE COMPANY | $2K | — | $2K | 2.00% |
| CHARLIE PELUSO3 | 4081 BLOOMWOOD RD COLUMBIA, SC 29205 | RELIASTAR LIFE INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH BENEFITS | $767 | — | $767 | 3.45% |
| JJAN FINANCIAL3 | 412 ALLEGHENY ST. PO BOX 197 HOLLIDAYSBURG, PA 16648 | UPMC HEALTH BENEFITS | $405 | — | $405 | 1.82% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $83 | — | $83 | 1.74% |
| JJAN FINANCIAL3 | 412 ALLEGHENY ST. PO BOX 197 HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $48 | — | $48 | 1.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 1166 AVENUE OF AMERICAS NEW YORK, NY 10036 | AXIS INSURANCE COMPANY | $1K | — | $1K | 25.01% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | 1644 OLD ROUTE 22 NORTH HOLLIDAYSBURG, PA 16648 | UPMC HEALTH BENEFITS | $6 | — | $6 | 3.57% |
| JJAN FINANCIAL3 | 412 ALLEGHENY ST. PO BOX 197 HOLLIDAYSBURG, PA 16648 | UPMC HEALTH BENEFITS | $2 | — | $2 | 1.19% |
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 | 2,318 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,339 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(20 contracts, 8 carriers) | UPMC HEALTH OPTIONS | 881 | $5.4M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,991 | $1.1M |
| Life insurance(2 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 1,718 | $1.5M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,718 | $1.5M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,718 | $1.5M |
| Other(3 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,718 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,991 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.