| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE & BENEFITS SERV. INC. | 1215 MANOR DRIVE, SUITE 200 MECHANICSBURG, PA 170554900 | UNITEDHEALTHCARE INSURANCE COMPANY | $672 | $18K | $19K | 3.27% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: FIRST NIAGRA RISK MANAGEMENT, INC. | 1215 MANOR DRIVE, SUITE 200 MECHANICSBURG, PA 17055 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $241 | $241 | 0.04% |
| THREE RIVERS FIN. SERVICES, INC.3 | 125 HILLVUE LANE PITTSBURGH, PA 15237 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 9.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: FIRST NIAGRA RISK MANAGEMENT, INC. | 1215 MANOR DRIVE, SUITE 200 MECHANICSBURG, PA 17055 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $689 | $689 | 1.15% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE & BENEFITS SERV. INC. | 125 HILLVUE LANE PITTSBURGH, PA 15237 | DELTA DENTAL OF PENNSYLVANIA | $1K | — | $1K | 3.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: FIRST NIAGRA RISK MANAGEMENT, INC. | 1215 MANOR DRIVE, SUITE 200 MECHANICSBURG, PA 17055 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| THREE RIVERS FIN. SERVICES, INC.3 | 125 HILLVUE LANE PITTSBURGH, PA 15237 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $161 | $161 | 1.25% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE & BENEFITS SERV. INC. | 125 HILLVUE LANE PITTSBURGH, PA 15237 | FIDELITY SECURITY LIFE INSURANCE | $1K | — | $1K | 15.00% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE & BENEFITS SERV. INC. | 125 HILLVUE LANE PITTSBURGH, PA 15237 | UNION SECURITY INSURANCE COMPANY | $574 | — | $574 | 7.45% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 149 | $570K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 171 | $46K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 116 | $73K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 116 | $60K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 116 | $60K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 149 | $570K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 116 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.