| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEEL POINT INSURANCE ADVISORS3 Filed as: KEEL POINT INSURANCE ADVISORS LLC | 100 CHURCH ST STE 500 HUNTSVILLE, AL 35801 | STARMOUNT LIFE INSURANCE COMPANY | $15K | — | $15K | 10.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | STARMOUNT LIFE INSURANCE COMPANY | — | $11K | $11K | 7.68% |
| KEEL POINT INSURANCE ADVISORS3 Filed as: KEEL POINT INSURANCE ADVISORS LLC | 100 CHURCH ST STE 500 HUNTSVILLE, AL 35801 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 13.34% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $10K | $10K | 7.76% |
| KEEL POINT INSURANCE ADVISORS3 Filed as: KEEL POINT INSURANCE ADVISORS LLC | 100 CHURCH ST STE 500 HUNTSVILLE, AL 35801 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 13.50% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 8.05% |
| KEEL POINT INSURANCE ADVISORS3 Filed as: KEEL POINT INSURANCE ADVISORS LLC | 100 CHURCH ST SW STE 500 HUNTSVILLE, AL 35801 | VISION SERVICE PLAN | $2K | — | $2K | 3.68% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD, STE 300 BETHESDA, MA 20814 | VISION SERVICE PLAN | $279 | — | $279 | 0.47% |
| KEEL POINT INSURANCE ADVISORS3 Filed as: KEEL POINT INSURANCE ADVISORS LLC | 100 CHURCH ST STE 500 HUNTSVILLE, AL 35801 | UNUM INSURANCE COMPANY | $4K | — | $4K | 13.74% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM INSURANCE COMPANY | — | $1K | $1K | 4.58% |
| KEEL POINT INSURANCE ADVISORS3 Filed as: KEEL POINT INSURANCE ADVISORS LLC | 100 CHURCH ST STE 500 HUNTSVILLE, AL 35801 | UNUM INSURANCE COMPANY | $2K | — | $2K | 9.60% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM INSURANCE COMPANY | — | $615 | $615 | 3.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SKYWARD UNDERWRITERS AGENCY, INC. EIN 76-0165558 TPA | Insurance services; Contract Administrator Service code 13 | — | $760K |
| CIGNA CORPORATION EIN 59-1031071 TPA | Insurance services Service code 23 | — | $41K |
| KEEL POINT INSURANCE ADVISORS EIN 71-1025972 BROKER | Insurance agents and brokers Service code 22 | — | $38K |
| NATIONAL HEALTHCARE SOLUTIONS, INC. EIN 01-1234567 - | Other fees Service code 99 | — | $5K |
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 | 320 | 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) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 239 | $149K |
| Vision | VISION SERVICE PLAN | 17 | $60K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 320 | $133K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 320 | $133K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 320 | $133K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 320 | $238K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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.