| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE & BENEFITS SERVICES | 1205 MANOR DRIVE MECHANICSBURG, PA 17055 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $139K | — | $139K | 1.50% |
| KEY INSURANCE & BENEFIT SERVICES3 | 726 EXCHANGE ST SUITE 900 BUFFALO, NY 14210 | HIGHMARK | -$15 | — | -$15 | -0.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO INC. | EMPIRE STATE BUILDING 350 5TH AVENUE SUITE 3700 NEW YORK, NY 10118 | STANDARD INSURANCE COMPANY | $45K | — | $45K | 9.03% |
| USI INSURANCE SERVICES LLC3 | 4TH FLOOR ONE INTERNATIONAL PLAZA PHILADELPHIA, PA 19113 | STANDARD INSURANCE COMPANY | $37K | — | $37K | 7.50% |
| DENNIS J MCGEE JR3 | 1 INT PLAZA SUITE 400 PHILADELPHIA, PA 19113 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 2.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI NORTHEAST INC. | 555 PLEASANTVILLE ROAD BRIARCLIFF MANOR, NY 10510 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 2.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER INSURANCE | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | INTERN HANOVER (LLOYD'S OF LONDON) | $12K | — | $12K | 20.00% |
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 | 747 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 290 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 177 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 733 | $10.1M |
| Dental | CAPITAL ADVANTAGE ASSURANCE COMPANY | 733 | $9.2M |
| Life insurance | STANDARD INSURANCE COMPANY | 747 | $498K |
| Short-term disability | STANDARD INSURANCE COMPANY | 747 | $498K |
| Long-term disability | STANDARD INSURANCE COMPANY | 747 | $498K |
| Prescription drug(2 contracts, 2 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 733 | $10.1M |
| Other | INTERN HANOVER (LLOYD'S OF LONDON) | 348 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 747 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.