| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEY INSURANCE & BENEFIT SERVICES3 | 726 EXCHANGE STREET SUITE 900 BUFFALO, NY 17055 | CONNECTICARE, INC. | $115K | — | $115K | 4.00% |
| KEY INSURANCE & BENEFIT SERVICES3 | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $764 | $2K | 1.53% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | METROPOLITAN LIFE INSURANCE COMPANY | $827 | $60 | $887 | 0.71% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $756 | $756 | 0.61% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 66995 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $1K | $6K | 8.93% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 66995 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $1K | $6K | 8.68% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 66995 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $401 | $2K | 8.74% |
| KEY INSURANCE & BENEFIT SERVICES3 | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 170554900 | METROPOLITAN LIFE INSURANCE COMPANY | $928 | $180 | $1K | 4.87% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 170554900 | METROPOLITAN LIFE INSURANCE COMPANY | $653 | $60 | $713 | 3.13% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $200 | $200 | 0.88% |
| KEY INSURANCE & BENEFIT SERVICES3 | 1215 MANOR DRIVE, SUITE 200 MECHANICSBURG, PA 17055 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.99% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 66995 VIRGINIA BEACH, VA 23466 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $676 | — | $676 | 3.39% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $60 | $2K | 14.54% |
| KEY INSURANCE & BENEFIT SERVICES3 | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 170554900 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $130 | $1K | 8.84% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $99 | $99 | 0.65% |
| KEY INSURANCE & BENEFIT SERVICES3 | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | HYATT LEGAL PLANS | $660 | — | $660 | 6.58% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 66995 VIRGINIA BEACH, VA 23466 | HYATT LEGAL PLANS | $341 | — | $341 | 3.40% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 66995 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $161 | $40 | $201 | 8.76% |
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 | 281 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONNECTICARE, INC. | 299 | $2.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 271 | $124K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 240 | $20K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $65K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $64K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $23K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 321 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.