| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE & BENEFITS SERVICES | 11 STANWIX STREET SUITE 100 PITTSBURGH, PA 15222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | — | $12K | 5.09% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE & BENEFITS / VARIOUS | 11 STANWIX STREET SUITE 100 PITTSBURGH, PA 15222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 3.46% |
| JMP BENEFITS GROUP INC3 Filed as: JMP BENEFITS GROUP INC. | 525 NORTH MAIN STREET BUTLER, PA 16001 | CONTINENTAL AMERICAN INSURANCE COMPANY | $205 | — | $205 | 0.09% |
| USI INSURANCE SERVICES LLC3 | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | SYMETRA LIFE INSURANCE COMPANY | $5K | $5K | $10K | 6.10% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE & BENEFITS SERVICES | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | SYMETRA LIFE INSURANCE COMPANY | $6K | — | $6K | 3.78% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET 24TH FLOOR CINCINNATI, OH 45202 | SYMETRA LIFE INSURANCE COMPANY | — | $1K | $1K | 0.64% |
| FIRST NIAGARA RISK MANAGEMENT3 | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | SYMETRA LIFE INSURANCE COMPANY | $1K | — | $1K | 0.63% |
| ROBERT HESLEP3 Filed as: ROBERT WILDERSPIN | 6364 LONG IVY WAY SUGAR HILL, GA 30518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30K | $120K | $150K | 112.40% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 1215 MANOR DRIVE MECHANICSBURG, PA 17055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16K | $696 | $16K | 12.28% |
| ASSURANCE AGENCY LTD3 Filed as: EMPLOYER ASSURANCE SOLUTIONS LLC | 4281 BUCKSKIN WOOD DRIVE ELLICOTT CITY, MD 21042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $7K | $15K | 11.02% |
| RICHARD LOWMAN3 | 516 GRANDVIEW AVENUE PITTSBURGH, PA 15211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $4K | $9K | 6.70% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE & BENEFITS SERVICES | 1215 MANOR DRIVE MECHANICSBURG, PA 17055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 6.25% |
| ANDREA STEARNS3 | 2310 LONGCREST AVENUE BETHEL PARK, PA 15102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 3.67% |
| ROBERT HESLEP3 Filed as: ROBERT WILDERSPIN | 6364 LONG IVY WAY SUGAR HILL, GA 30518 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $438 | $1K | 27.24% |
| USI INSURANCE SERVICES LLC3 | 1215 MANOR DRIVE MECHANICSBURG, PA 17055 | THE PAUL REVERE LIFE INSURANCE COMPANY | $575 | — | $575 | 10.80% |
| ASSURANCE AGENCY LTD3 Filed as: EMPLOYER ASSURANCE SOLUTIONS LLC | 4281 BUCKSKIN WOOD DRIVE ELLICOTT CITY, MD 21042 | THE PAUL REVERE LIFE INSURANCE COMPANY | $293 | $271 | $564 | 10.59% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE & BENEFITS SERVICES | 1215 MANOR DRIVE MECHANICSBURG, PA 17055 | THE PAUL REVERE LIFE INSURANCE COMPANY | $287 | — | $287 | 5.39% |
| RICHARD LOWMAN3 | 516 GRANDVIEW AVENUE PITTSBURGH, PA 15211 | THE PAUL REVERE LIFE INSURANCE COMPANY | $177 | — | $177 | 3.32% |
| ANDREA STEARNS3 | 2310 LONGCREST AVENUE BETHEL PARK, PA 15102 | THE PAUL REVERE LIFE INSURANCE COMPANY | $96 | $46 | $142 | 2.67% |
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 | 1,213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 71 | $12K |
| Vision | HM LIFE INSURANCE COMPANY | 2,003 | $99K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,213 | $159K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 266 | $139K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,213 | $159K |
| Other(4 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,213 | $537K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,003 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.