| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEY INSURANCE & BENEFIT SERVICES3 | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.28% |
| KEY INSURANCE & BENEFIT SERVICES3 | 6950 S TRANSIT ROAD LOCKPORT, NY 14095 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $730 | $730 | 1.49% |
| KEY INSURANCE & BENEFIT SERVICES3 | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.80% |
| KEY INSURANCE & BENEFIT SERVICES3 | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| KEY INSURANCE & BENEFIT SERVICES3 | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $916 | — | $916 | 15.22% |
| KEY INSURANCE & BENEFIT SERVICES3 | 6950 S TRANSIT ROAD LOCKPORT, NY 14095 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $37 | $37 | 0.61% |
| KEY INSURANCE & BENEFIT SERVICES3 | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $794 | — | $794 | 21.51% |
| KEY INSURANCE & BENEFIT SERVICES3 | 6950 S TRANSIT ROAD LOCKPORT, NY 14095 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $29 | $29 | 0.79% |
| KEY INSURANCE & BENEFIT SERVICES3 | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $485 | — | $485 | 14.99% |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 122 | $49K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 167 | $11K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 43 | $8K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 36 | $3K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 122 | $286K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 43 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.