| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEY INSURANCE & BENEFIT SERVICES3 | 1215 MANOR DR. SUITE 200 MECHANICSBURG, PA 17055 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $4K | $0 | $4K | 4.57% |
| KEY INSURANCE & BENEFIT SERVICES3 | SUITE 900 726 EXCHANGE ST. BUFFALO, NY 14210 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 8.44% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY ZINSURANCE & BENEFIT SERVICES | 1215 MANOR DR. SUITE 200 MECHANICSBURG, PA 17055 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $2K | $0 | $2K | 4.96% |
| KEY INSURANCE & BENEFIT SERVICES3 | 1215 MANOR DR. SUITE 200 MECHANICSBURG, PA 17055 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $2K | $0 | $2K | 5.32% |
| KEY INSURANCE & BENEFIT SERVICES3 | SUITE 900 726 EXCHANGE ST. BUFFALO, NY 14210 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 8.44% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE AND BENEFIT SERVICES | SUITE 900 726 EXCHANGE ST. BUFFALO, NY 14210 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 8.44% |
| KEY INSURANCE & BENEFIT SERVICES3 | 1215 MANOR DR. SUITE 200 MECHANICSBURG, PA 17055 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $735 | $0 | $735 | 4.96% |
| KEY INSURANCE & BENEFIT SERVICES3 | SUITE 900 726 EXCHANGE ST. BUFFALO, NY 14210 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 8.44% |
| KEY INSURANCE & BENEFIT SERVICES3 | 1215 MANOR DR. SUITE 200 MECHANICSBURG, PA 17055 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $199 | $0 | $199 | 4.95% |
| KEY INSURANCE & BENEFIT SERVICES3 | SUITE 900 726 EXCHANGE ST. BUFFALO, NY 14210 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $334 | $0 | $334 | 8.44% |
| KEY INSURANCE & BENEFIT SERVICES3 | SUITE 900 726 EXCHANGE ST. BUFFALO, NY 14210 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $314 | $0 | $314 | 8.45% |
| KEY INSURANCE & BENEFIT SERVICES3 | 1215 MANOR DR. SUITE 200 MECHANICSBURG, PA 17055 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $182 | $0 | $182 | 4.96% |
| KEY INSURANCE & BENEFIT SERVICES3 | 1215 MANOR DR. SUITE 200 MECHANICSBURG, PA 17055 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $29 | $0 | $29 | 4.91% |
| KEY INSURANCE & BENEFIT SERVICES3 | SUITE 900 726 EXCHANGE ST. BUFFALO, NY 14210 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $37 | $0 | $37 | 8.33% |
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 | 218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(8 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 233 | $101K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 167 | $61K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 216 | $141K |
| Other(2 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 218 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.