| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | — | HIGHMARK INC. | $43K | — | $43K | 2.46% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP, INC. | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $122K | $11K | $133K | 18.57% |
| ONBOARD BENEFITS LLC3 | 100 SPENCER CT LAFAYETTE, IN 47906 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $50K | $50K | 7.00% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP, INC. | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | METROPOLITAN LIFE INSURANCE COMPANY | $49K | $5K | $54K | 9.56% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP, INC. | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $141K | $11K | $153K | 26.99% |
| ONBOARD BENEFITS LLC3 | 100 SPENCER CT LAFAYETTE, IN 47906 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $40K | $40K | 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 | $71K | $7K | $77K | 21.94% |
| ONBOARD BENEFITS LLC3 | 100 SPENCER CT LAFAYETTE, IN 47906 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $25K | $25K | 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 | $27K | $4K | $31K | 17.14% |
| ONBOARD BENEFITS LLC3 | 100 SPENCER CT LAFAYETTE, IN 47906 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $13K | $13K | 7.00% |
| NORTHWEST WORKSITE MARKETING CORP3 | 1910 INDIAN WOODS CIRCLE MAUMEE, OH 43537 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 13.51% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GROUP LLC | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $297 | $5K | 11.69% |
| N-GAGE LLC3 | 7325 JANES AVE WOODRIDGE, IL 60517 | METROPOLITAN LIFE INSURANCE COMPANY | $181 | — | $181 | 0.40% |
| NORTHWEST WORKSITE MARKETING CORP3 | 1910 INDIAN WOODS CIR MAUMEE, OH 43537 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 8.86% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GROUP LLC | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $148 | $2K | 8.13% |
| N-GAGE LLC3 | 7325 JANES AVE WOODRIDGE, IL 60517 | METROPOLITAN LIFE INSURANCE COMPANY | $178 | — | $178 | 0.74% |
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 | 1,572 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,572 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK INC. | 249 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,158 | $568K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,158 | $568K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,572 | $565K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 599 | $182K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,429 | $716K |
| Prescription drug | HIGHMARK INC. | 235 | $1.7M |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,572 | $965K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,572 | — |
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.