| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP, INC. | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $118K | $19K | $137K | 19.68% |
| ONBOARD BENEFITS LLC3 | 100 SPENCER CT LAFAYETTE, IN 47906 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $49K | $49K | 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 | $135K | $19K | $153K | 28.46% |
| ONBOARD BENEFITS LLC3 | 100 SPENCER CT LAFAYETTE, IN 47906 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $38K | $38K | 7.00% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP, INC. | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | METROPOLITAN LIFE INSURANCE COMPANY | $48K | — | $48K | 9.71% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP, INC. | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $64K | $14K | $78K | 24.47% |
| ONBOARD BENEFITS LLC3 | 100 SPENCER CT LAFAYETTE, IN 47906 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $22K | $22K | 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 | $8K | $35K | 19.29% |
| ONBOARD BENEFITS LLC3 | 100 SPENCER CT LAFAYETTE, IN 47906 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $13K | $13K | 7.00% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GROUP LLC | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 14.40% |
| NORTHWEST WORKSITE MARKETING CORP3 | 1910 INDIAN WOODS CIRCLE MAUMEE, OH 43537 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 14.22% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GROUP LLC | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 12.06% |
| NORTHWEST WORKSITE MARKETING CORP3 | 1910 INDIAN WOODS CIR MAUMEE, OH 43537 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 11.73% |
| FRESHBENIES3 | — | FRESHBENIES | $146 | — | $146 | 1.41% |
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 | 1,419 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL BLUE CROSS | 383 | $2.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,148 | $494K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,148 | $494K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,419 | $538K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 576 | $180K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,283 | $695K |
| Other(5 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,559 | $933K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,559 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.