| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEY BENEFIT ADMINISTRATORS, INC3 Filed as: KEY BENEFIT ADMINISTRATORS, INC. | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46226 | GERBER LIFE INSURANCE COMPANY | $3K | — | $3K | 1.36% |
| THE LOWERY GROUP3 | 445 SALEM PLACE FAIRVIEW HEIGHTS, IL 62208 | AETNA LIFE INSURANCE CO. | $7K | $0 | $7K | 8.76% |
| THE LOWERY GROUP3 | 445 SALEM PLACE FAIRVIEW HEIGHTS, IL 62208 | STANDARD INSURANCE COMPANY | $2K | $666 | $2K | 9.92% |
| THE LOWERY GROUP3 | 445 SALEM PLACE FAIRVIEW HEIGHTS, IL 62208 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 20.00% |
| THE LOWERY GROUP3 | 445 SALEM PLACE FAIRVIEW HEIGHTS, IL 62208 | STANDARD INSURANCE COMPANY | $2K | $612 | $2K | 10.29% |
| KEY BENEFIT ADMINISTRATORS, INC3 Filed as: KEY BENEFIT ADMINISTRATORS,INC. | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46226 | QBE INSURANCE CORPORATION | $982 | — | $982 | 5.00% |
| THE LOWERY GROUP3 | 445 SALEM PLACE FAIRVIEW HEIGHTS, IL 62208 | STANDARD INSURANCE COMPANY | $2K | $532 | $3K | 15.33% |
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 | 253 | 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) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GERBER LIFE INSURANCE COMPANY | 142 | $192K |
| Dental | AETNA LIFE INSURANCE CO. | 253 | $82K |
| Vision | AETNA LIFE INSURANCE CO. | 253 | $82K |
| Life insurance | STANDARD INSURANCE COMPANY | 190 | $23K |
| Short-term disability | STANDARD INSURANCE COMPANY | 190 | $21K |
| Long-term disability | STANDARD INSURANCE COMPANY | 190 | $18K |
| Other | QBE INSURANCE CORPORATION | 142 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.