| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEY INSURANCE & BENEFIT SERVICES3 | 726 EXCHANGE STREET SUITE 900 BUFFALO, NY 17055 | CONNECTICARE, INC. | $125K | $18K | $143K | 4.59% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $1K | $3K | 2.38% |
| KEY INSURANCE & BENEFIT SERVICES3 | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | METROPOLITAN LIFE INSURANCE COMPANY | $187 | $152 | $339 | 0.28% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 66995 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 7.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 66995 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 7.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 66995 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.11% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 170554900 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $388 | $2K | 8.21% |
| KEY INSURANCE & BENEFIT SERVICES3 | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 170554900 | METROPOLITAN LIFE INSURANCE COMPANY | $60 | $56 | $116 | 0.46% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62937 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 7.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 66995 VIRGINIA BEACH, VA 23466 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.01% |
| PIERSON & SMITH, INC.3 Filed as: PIERSON & SMITH | 1215 MANOR DRIVE, SUITE 200 MECHANICSBURG, PA 17055 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $634 | — | $634 | 3.33% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $223 | $2K | 12.93% |
| KEY INSURANCE & BENEFIT SERVICES3 | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 170554900 | METROPOLITAN LIFE INSURANCE COMPANY | $240 | $58 | $298 | 1.93% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 66995 VIRGINIA BEACH, VA 23466 | METLIFE LEGAL PLANS | $562 | $101 | $663 | 8.30% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METLIFE LEGAL PLANS | $238 | — | $238 | 2.98% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 66995 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $82 | — | $82 | 2.54% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 66995 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $174 | — | $174 | 6.98% |
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 | 276 | 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) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONNECTICARE, INC. | 288 | $3.1M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 267 | $173K |
| Vision(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 237 | $22K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 280 | $82K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 175 | $70K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 280 | $25K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 297 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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.