| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP, INC. | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $123K | $25K | $148K | 20.45% |
| ONBOARD BENEFITS LLC3 | 100 SPENCER CT LAFAYETTE, IN 47906 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $51K | $51K | 7.00% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP, INC. | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $141K | $25K | $166K | 29.43% |
| ONBOARD BENEFITS LLC3 | 100 SPENCER CT LAFAYETTE, IN 47906 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $39K | $39K | 7.00% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP, INC. | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $70K | $16K | $86K | 24.55% |
| ONBOARD BENEFITS LLC3 | 100 SPENCER CT LAFAYETTE, IN 47906 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $24K | $24K | 7.00% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP, INC. | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | $9K | $36K | 20.01% |
| ONBOARD BENEFITS LLC3 | 100 SPENCER CT LAFAYETTE, IN 47906 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $13K | $13K | 7.00% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GROUP LLC | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $0 | $14K | 18.14% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.62% |
| NORTHWEST WORKSITE MARKETING CORP3 | 2340 DETROIT AVE FL 2 MAUMEE, OH 43537 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.39% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GROUP LLC | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $557 | $7K | 17.74% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.75% |
| NORTHWEST WORKSITE MARKETING CORP3 | 2340 DETROIT AVE FL 2 MAUMEE, OH 43537 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.97% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP, INC. | — | FRESHBENIES | $213 | $0 | $213 | 1.34% |
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 | 1,459 | 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) | 1,459 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 413 | $3.4M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,459 | $564K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 562 | $179K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,274 | $724K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 307 | $3.3M |
| Other(5 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,459 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,459 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.