| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 777 CANALVIEW BLVD. PO BOX 100 ROCHESTER, NY 14623 | EXCELLUS BLUE CROSS BLUE SHIELD | $38K | — | $38K | 13.35% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | THE PAUL REVERE LIFE INSURANCE COMPANY | $36K | $10K | $46K | 25.53% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE & BENEFITS SERVICES | 1215 MANOR DRIVE MECHANICSBURG, PA 17055 | THE PAUL REVERE LIFE INSURANCE COMPANY | $34K | — | $34K | 18.97% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1215 MANOR DRIVE MECHANICSBURG, PA 17055 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5K | — | $5K | 2.64% |
| MARY-JOYCE LICATA3 Filed as: MARY J. YARNELL | 170 E. HAMILTON LANE BATTLE CREEK, MI 49015 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | $368 | $5K | 2.55% |
| CASEY H EBBERT3 Filed as: CASEY H. EBBERT | 1574 LITITZ PIKE LANCASTER, PA 17601 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | $89 | $4K | 2.45% |
| LANCE A BRADLEY3 Filed as: LANCE A. BRADLEY | 2028 MOUNT VERNON CIRCLE HARRISBURG, PA 17110 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | $87 | $4K | 2.29% |
| JAMES H CROUTHAMEL3 Filed as: JAMES H. CROUTHAMEL | 1308 CUSHMORE ROAD SOUTHAMPTON, PA 18966 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | $26 | $4K | 2.19% |
| BRENDA H BRIDGES3 Filed as: BRENDA LEE PLACKO | 1863 CREEK ROAD MANHEIM, PA 17545 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | — | $4K | 2.00% |
| JAMES BARTLETT LLC3 Filed as: JAMES BARTLETT | 3138 GREENRIDGE DRIVE LANCASTER, PA 17601 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | $172 | $3K | 1.90% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH JANE GRIFFITHS | 3893 SWEET ARROW LAKE ROAD PINE GROVE, PA 17963 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.39% |
| THOMAS F HAYES3 Filed as: THOMAS F. HAYES | 2205 OREGON PIKE LANCASTER, PA 17601 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $265 | $2K | 1.38% |
| WILLIAM M. PELOSO3 | 101 SHELDRAKE PLACE APT 1 MAMARONECK, NY 10543 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $60 | $2K | 1.29% |
| ROBERT W SABOL3 Filed as: ROBERT W. SABOL | 24 STEVENSON AVENUE CORTLANDT MANOR, NC 10567 | THE PAUL REVERE LIFE INSURANCE COMPANY | $337 | $51 | $388 | 0.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: TIMOTHY MARTIN BROWN | 2412 NEWTOWN DRIVE HARRISBURG, PA 17110 | THE PAUL REVERE LIFE INSURANCE COMPANY | $341 | $5 | $346 | 0.19% |
| ARDENA L MCVICKER3 Filed as: ARDENA L. MCVICKER | 73 KATYDID LANE MORGANTOWN, PA 19543 | THE PAUL REVERE LIFE INSURANCE COMPANY | $187 | $63 | $250 | 0.14% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 726 EXCHANGE STREET SUITE 900 BUFFALO, NY 14210 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 5.16% |
| KEY INSURANCE & BENEFIT SERVICES3 | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.75% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 66995 VIRGINIA BEACH, VA 23466 | EYEMED | $633 | — | $633 | 4.01% |
| KEY INSURANCE & BENEFIT SERVICES3 | 1215 MANOR DRIVE MECHANICSBURG, PA 17055 | EYEMED | $627 | — | $627 | 3.97% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1215 MANOR DRIVE MECHANICSBURG, PA 17055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | — |
| MARY-JOYCE LICATA3 Filed as: MARY J. YARNELL | 170 E. HAMILTON LANE BATTLE CREEK, MI 49015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | — |
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $2 | $4 | — |
| BRENDA H BRIDGES3 Filed as: BRENDA LEE PLACKO | 1863 CREEK ROAD MANHEIM, PA 17545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | — |
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 | 383 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 389 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED | 383 | $16K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 0 | $72K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $40K |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUE CROSS BLUE SHIELD | 334 | $281K |
| Other(2 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 323 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 383 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.