| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | — | HIGHMARK INC. | $41K | — | $41K | 2.43% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP, INC. | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $115K | $23K | $138K | 20.32% |
| ONBOARD BENEFITS LLC3 | 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IN 46234 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $47K | $47K | 7.00% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP, INC. | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $133K | $23K | $155K | 29.23% |
| ONBOARD BENEFITS LLC3 | 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IN 46234 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $37K | $37K | 7.00% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP, INC. | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | METROPOLITAN LIFE INSURANCE COMPANY | $47K | $5K | $53K | 9.97% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP, INC. | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $61K | $14K | $75K | 24.65% |
| ONBOARD BENEFITS LLC3 | 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IN 46234 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $21K | $21K | 7.00% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP, INC. | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | $8K | $34K | 19.88% |
| ONBOARD BENEFITS LLC3 | 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IN 46234 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $12K | $12K | 7.00% |
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 | 1,650 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,650 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 267 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,147 | $528K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,147 | $528K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,650 | $532K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 648 | $173K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,485 | $678K |
| Prescription drug | HIGHMARK INC. | 267 | $1.7M |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,650 | $837K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,650 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.