| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1215 MANOR DRIVE, SUITE 200 MECHANICSBURG, PA 17055 | UNITEDHEALTHCARE INSURANCE COMPANY | $431 | $10K | $11K | 1.89% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE & BENEFITS SERV. INC. | 1215 MANOR DRIVE, SUITE 200 MECHANICSBURG, PA 17055 | UNITEDHEALTHCARE INSURANCE COMPANY | $202 | $7K | $7K | 1.29% |
| THREE RIVERS FIN. SERVICES, INC.3 | 125 HILLVUE LANE PITTSBURGH, PA 15237 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 8.99% |
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT, INC. | 1215 MANOR DRIVE, SUITE 200 MECHANICSBURG, PA 17055 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $671 | $671 | 1.11% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE & BENEFITS SERV. INC. | 125 HILLVUE LANE PITTSBURGH, PA 15237 | DELTA DENTAL OF PENNSYLVANIA | $744 | — | $744 | 1.70% |
| USI INSURANCE SERVICES LLC3 | 6 PPG PLACE,#200 PITTSBURGH, PA 15222 | DELTA DENTAL OF PENNSYLVANIA | $569 | — | $569 | 1.30% |
| THREE RIVERS FIN. SERVICES, INC.3 | 125 HILLVUE LANE PITTSBURGH, PA 152375341 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.89% |
| 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 | $155 | $155 | 1.12% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE & BENEFITS SERV. INC. | 125 HILLVUE LANE PITTSBURGH, PA 15237 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 18.85% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE & BENEFITS SERV. INC. | 125 HILLVUE LANE PITTSBURGH, PA 15237 | FIDELITY SECURITY LIFE INSURANCE | $1K | $1K | $2K | 29.50% |
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 | 113 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | 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 | 155 | $576K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 163 | $44K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 155 | $576K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 116 | $74K |
| 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 | 155 | $576K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 116 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.