| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURANCE AND BENEFITS GRO | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | — | $35K | 13.39% |
| ENROLL X LLC3 | 548 CANTON RD WINTERSVILLE, OH 43953 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 32.04% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURANCE AND BENEFITS GRO | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 25.17% |
| ENROLL X LLC3 | 548 CANTON RD WINTERSVILLE, OH 43953 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 32.26% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURANCE AND BENEFITS GRO | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 25.35% |
| ENROLL X LLC3 | 548 CANTON RD WINTERSVILLE, OH 43953 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 32.25% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURANCE AND BENEFITS GRO | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 25.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 ADMIN SERVICES | Other commissions; Non-monetary compensation; Float revenue; Insurance agents and brokers; Other services; Claims processing; Insurance brokerage commissions and fees; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $657K |
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 | 430 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 430 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 407 | $66K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 976 | $262K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 976 | $262K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 976 | $262K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 976 | $262K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 976 | $262K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 752 | $1.1M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 976 | $262K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 976 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.