| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE & BENEFITS SERVICES | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | UNITED CONCORDIA INSURANCE COMPANY | $4K | $43 | $4K | 6.54% |
| BANYAN CONSULTING GROUP INC3 Filed as: BANYAN CONSULTING, LLC | 1215 MANOR DRIVE, STE 200 MECHANICSBURG, PA 17055 | LIFE INSURANCE COMPANY OF NORTH AMERICA- STD | $6K | — | $6K | 15.00% |
| BANYAN CONSULTING GROUP INC3 Filed as: BANYAN CONSULTING LLC | 1215 MANOR DRIVE, STE 200 MECHANICSBURG, PA 17055 | LIFE INSURANCE COMPANY OF NORTH AMERICA- LIFE | $2K | — | $2K | 15.00% |
| BANYAN CONSULTING GROUP INC3 Filed as: BANYAN CONSULTING LLC | 1215 MANOR DRIVE, STE 200 MECHANICSBURG, PA 17055 | LIFE INSURANCE COMPANY OF NORTH AMERICA- LTD | $1K | — | $1K | 15.00% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE & BENEFITS SERVICES | 237 VAN RENSSELAER STREET BUFFALO, NY 14210 | HEARTLAND | $217 | — | $217 | 2.99% |
| BANYAN CONSULTING GROUP INC3 Filed as: BANYAN CONSULTING LLC | 1215 MANOR DRIVE, STE 200 MECHANICSBURG, PA 17055 | LIFE INSURANCE COMPANY OF NORTH AMERICA- ADD | $290 | — | $290 | 15.03% |
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 | 196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 228 | $64K |
| Vision | HEARTLAND | 188 | $7K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA- LIFE | 196 | $14K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA- STD | 196 | $41K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA- LTD | 11 | $8K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA- ADD | 196 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.