| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT INC | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | SYMETRA LIFE INSURANCE COMPANY | $47K | $46K | $93K | 4.59% |
| SILVER BEECH CONSULTING GROUP3 | PO BOX 148 MECHANICSBURG, PA 17055 | SYMETRA LIFE INSURANCE COMPANY | $37K | $13K | $50K | 2.48% |
| SILVER BEECH CONSULTING GROUP3 Filed as: SILVER BEECH CONSLTING GRP LLC | PO BOX 148 MECHANICSBURG, PA 17055 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $54K | — | $54K | 2.76% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE & BENEFITS SVCS INC | 1215 MANOR DRIVE, SUITE 200 MECHANICSBURG, PA 17055 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $52K | — | $52K | 2.62% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE & BENEFITS SVCS INC | 6950 S TRANSIT RD LOCKPORT, NY 14095 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $35K | $35K | 1.78% |
| SILVER BEECH CONSULTING GROUP3 Filed as: SILVER BEECH CONS GRP LLC | 39 W MAIN STREET 2ND FLR PO BOX 148 MECHANICSBURG, PA 17055 | HM LIFE INSURANCE COMPANY | $10K | — | $10K | 2.54% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE & BNFTS SERVICES | 1215 MANOR DRIVE STE 200 MECHANICSBURG, PA 17055 | HM LIFE INSURANCE COMPANY | $9K | — | $9K | 2.46% |
| BURT ADVISORY GROUP3 Filed as: BURT ADVISORY GROUP INC. | 4000 E BRISTOL ST STE 3 ELKHART, IN 46514 | SYMETRA LIFE INSURANCE COMPANY | — | $8K | $8K | 2.95% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | RELIASTAR LIFE INSURANCE COMPANY | $27K | — | $27K | 10.64% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID-ATLANTIC INSURANCE SERVICES | 2000 CLIFFMINE ROAD SUITE 610 PITTSBURGH, PA 152751025 | RELIASTAR LIFE INSURANCE COMPANY | $3K | — | $3K | 1.08% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID-ATLANTIC INSURANCE SERVICES | 7415 W 130TH ST #200 OVERLAND PARK, KS 66213 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.20% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $210 | $3K | 5.15% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFIT LLC | 1166 AVENUE OF AMERICAS 22F NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 25.00% |
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 | 16,507 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 62 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,569 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 12,644 | $2.2M |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 9,226 | $2.0M |
| Long-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 9,226 | $2.1M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 9,842 | $657K |
| Other(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 15,108 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,108 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.