| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT INC | 1215 MANOR DR STE 200 MECHANICSBURG, PA 17055 | AETNA LIFE INSURANCE COMPANY | $12K | — | $12K | 2.22% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE & BENEFITS SVCS INC. | 1215 MANOR DR STE 200 MECHANICSBURG, PA 17055 | AETNA LIFE INSURANCE COMPANY | $6K | — | $6K | 1.12% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE & BENEFITS SVCS INC. | 1215 MANOR DR STE 200 MECHANICSBURG, PA 17055 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KEYSTONE HEALTH PLAN CENTRAL EIN 23-2399845 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 2500 ELMERTON AVE HARRISBURG, PA 17177 | $2.1M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $964K |
| CAPITAL ADVANTAGE ASSURANCE COMPANY EIN 45-5492167 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 2500 ELMERTON AVE HARRISBURG, PA 17177 | $515K |
| UNITED CONCORDIA COMPANIES INC EIN 25-1687586 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 4401 DEER PATH ROAD HARRISBURG, PA 17110 | $223K |
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 | 9,033 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 369 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 9,402 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AETNA LIFE INSURANCE COMPANY | 9,360 | $547K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 916 | $71K |
| Other | AETNA LIFE INSURANCE COMPANY | 9,360 | $547K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,360 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.