| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURAMAX INC3 Filed as: INSURAMAX, INC. | 805 NORH WHITTINGTON PARKWAY SUITE 150 LOUISVILLE, NY 40222 | AXIS INSURANCE COMPANY | $10K | $0 | $10K | 3.57% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $3K | $11K | 8.88% |
| KEYSTONE INS & BENEFITS GROUP LLC3 Filed as: KEYSTONE INS. & BENEFITS GROUP, LLC | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | METROPOLITAN LIFE INSURANCE COMPANY | $634 | $0 | $634 | 0.53% |
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 | 421 | 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) | 421 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MINNESOTA AND BLUE PLUS | 256 | $2.7M |
| Dental(2 contracts) | DELTA DENTAL OF MINNESOTA | 438 | $135K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 632 | $44K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 714 | $120K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 714 | $120K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MINNESOTA AND BLUE PLUS | 256 | $2.7M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 714 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 714 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.