| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEY INSURANCE & BENEFIT SERVICES3 | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $248 | $5K | $5K | 0.56% |
| KEY INSURANCE & BENEFIT SERVICES3 | 1215 MANOR DRIVE SUITE 200 MECHANISBURG, PA 17055 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 1.14% |
| MATTHEW GREENE3 Filed as: MATTHEW G. FAIR | 40 RICHARDS AVENUE NORWALK, CT 06854 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE AND BENEFIT SERVICES | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | STANDARD INSURANCE COMPANY | $109 | — | $109 | 0.42% |
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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 100 | $1.2M |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 100 | $1.2M |
| Vision(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 100 | $1.2M |
| Life insurance | ZURICH AMERICAN LIFE INSURANCE COMPANY | 131 | $104K |
| Short-term disability | STANDARD INSURANCE COMPANY | 79 | $26K |
| Long-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY | 131 | $104K |
| Prescription drug(3 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 100 | $1.2M |
| Other(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 94 | $381K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.