| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEYSTONE INS & BFTS GRP LLC3 Filed as: KEYSTONE INSURERS & BNFTS GROUP LLC | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $1K | $11K | 22.85% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| KEYSTONE INS & BNFTS GRP LLC3 | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $3K | $11K | 28.75% |
| KEYSTONE INS & BNFTS GRP LLC3 Filed as: KEYSTONE INS & BNFTS GROUP LLC | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | AFLAC | $2K | — | $2K | 6.72% |
| MARY CARMELA BERARDI3 | 3344 SWEET CLOVER LN LEXINGTON, KY 40509 | AFLAC | $1K | $19 | $1K | 4.04% |
| LAURA BETH KELLER3 | 445 MADISON POINT DR. LEXINGTON, KY 40515 | AFLAC | $467 | $7 | $474 | 1.42% |
| SARAH BARDELL3 Filed as: SARAH K BARDELL | 424 CUNNINGHAM LN LEXINGTON, KY 40508 | AFLAC | $406 | $47 | $453 | 1.36% |
| AMY JOHANNEMANN3 | 11708 E. STATE ROAD 56 FRENCH LICK, IN 47432 | AFLAC | $197 | — | $197 | 0.59% |
| CAREN OSTROWSKI3 | 854 KINGSWAY DR VERSAILLES, KY 40383 | AFLAC | $193 | — | $193 | 0.58% |
| HEATHER L MAMMEN3 Filed as: HEATHER L. MAMMEN | 251 BIG EDDY RD. FRANKFORT, KY 40601 | AFLAC | $126 | — | $126 | 0.38% |
| BRIAN S MARTIN3 | 3280 BLAZER PKWY STE 100 LEXINGTON, KY 40509 | AFLAC | $110 | — | $110 | 0.33% |
| LINDSEY HOSKINS3 | 801 E. BRANNON RD, UNIT 128 NICHOLASVILLE, KY 40356 | AFLAC | $103 | — | $103 | 0.31% |
| BRENT HUTCHINSON3 | 1450 N BROADWAY LEXINGTON, KY 40505 | AFLAC | $77 | — | $77 | 0.23% |
| PAMELA ROWSEY LARSON3 | 844 SANDSTONE RDG COLD SPRING, KY 41076 | AFLAC | $65 | — | $65 | 0.19% |
| ROBERT ERIC LEITCH3 | 829 SUGARBUSH TRL LEXINGTON, KY 40509 | AFLAC | $46 | — | $46 | 0.14% |
| ANDREA HARPER3 | 1294 LITTLE ROBINSON CRK VIRGIE, KY 41572 | AFLAC | $22 | — | $22 | 0.07% |
| REBEKAH SMALLWOOD3 | 561 BUCKFIELD RD PIKEVILLE, KY 41501 | AFLAC | $16 | — | $16 | 0.05% |
| MCB SOLUTIONS3 Filed as: MCB SOLUTIONS LLCS | 3344 SWEET CLOVER LANE LEXINGTON, KY 40509 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 41.42% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GROUP LLC | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 27.61% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| MCB SOLUTIONS3 Filed as: MCB SOLUTIONS LLC | 3344 SWEET CLOVER LN LEXINGTON, KY 40509 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 39.30% |
| KEYSTONE INS & BNFTS GRP LLC3 Filed as: KEYSTONE INS & BNFTS GROUP LLC | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 26.20% |
| KEYSTONE INS & BNFTS GRP LLC3 Filed as: KEYSTONE INS & BNFTS GROUP LLC | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $937 | $937 | 5.00% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 | 1995 CROWN POINT DR NORTHUMBERLAND, PA 17857 | PARAMOUNT DENTAL | $4K | — | $4K | 36.80% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GROUP LLC | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $319 | $2K | 22.97% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $538 | $538 | 5.00% |
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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PARAMOUNT DENTAL | 359 | $11K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 258 | $44K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 171 | $19K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 118 | $39K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 258 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 359 | — |
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.
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.