| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 777 CANAL VIEW BOULEVARD SUITE 100 ROCHESTER, NY 14623 | EXCELLUS BLUE CROSS BLUE SHIELD | $87K | $0 | $87K | 3.40% |
| USI INSURANCE SERVICES LLC3 | 1215 MANOR DRIVE, SUITE 200 MECHANICSBURG, PA 17055 | SYMETRA LIFE INSURANCE COMPANY | $27K | $8K | $35K | 12.90% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INS. AND BENEFITS SERVICES, INC | 1215 MANOR DRIVE, SUITE 200 MECHANICSBURG, PA 17055 | VISION SERVICE PLAN | $730 | $0 | $730 | 2.45% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $672 | $0 | $672 | 2.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | FIRST UNUM LIFE INSURANCE COMPANY | $786 | $0 | $786 | 3.63% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66995 VIRGINIA BEACH, VA 23466 | FIRST UNUM LIFE INSURANCE COMPANY | $263 | — | $263 | 1.22% |
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 | 356 | 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) | 356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 217 | $2.6M |
| Vision | VISION SERVICE PLAN | 194 | $30K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 356 | $269K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 356 | $269K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 356 | $269K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 217 | $2.6M |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 356 | $290K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 356 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.