| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEYSTONE BENEFIT GROUP3 Filed as: KEYSTONE BENEFIT GROUP LLC | 6885 BELFORT OAKS PLACE SUITE 210 JACKSONVILLE, FL 32216 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $34K | — | $34K | 7.55% |
| KEYSTONE BENEFIT GROUP3 Filed as: KEYSTONE BENEFIT GROUP LLC | 6885 BELFORT OAKS PLACE SUITE 210 JACKSONVILLE, FL 32216 | SYMETRA LIFE INSURANCE COMPANY | $33K | $9K | $41K | 21.69% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 KIRKWOOD ROAD SUITE 300 KIRKWOOD, MT 63122 | SYMETRA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 3.02% |
| KEYSTONE BENEFIT GROUP3 Filed as: KEYSTONE BENEFIT GROUP LLC | 6885 BELFORT OAKS PLACE SUITE 210 JACKSONVILLE, FL 32216 | AETNA LIFE INSURANCE COMPANY | $8K | — | $8K | 8.53% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 6885 BELFORT OAKS PLACE SUITE 210 JACKSONVILLE, FL 32216 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $985 | $9K | 11.26% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD SUITE 365 BEACHWOOD, OH 44122 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 5.00% |
| KEYSTONE BENEFIT GROUP3 | 6885 BELFORT OAKS PLACE SUITE 210 JACKSONVILLE, FL 32216 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 15.83% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES | 15800 CRABBS BRANCH WAY #350 ROCKVILLE, MD 20855 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.68% |
| KEYSTONE BENEFIT GROUP3 Filed as: KEYSTONE BENEFIT GROUP LLC | 6885 BELFORT OAKS PLACE SUITE 210 JACKSONVILLE, FL 32216 | SYMETRA LIFE INSURANCE COMPANY | $2K | $405 | $2K | 22.30% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD SUITE 365 BEACHWOOD, OH 44122 | SYMETRA LIFE INSURANCE COMPANY | $0 | $314 | $314 | 2.99% |
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 | 140 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 107 | $571K |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 72 | $170K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 75 | $108K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 140 | $190K |
| Short-term disability(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 140 | $200K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 140 | $190K |
| Other(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 140 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.