| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEYSTONE INSURANCE & BENEFITS GROUP3 | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | ANTHEM INSURANCE COMPANIES INC(G2001) | $27K | $59 | $27K | 4.12% |
| KEYSTONE INS & BFTS GRP LLC3 Filed as: KEYSTONE INS 7 BENEFITS GROUP LLC | 1995 POINT TOWNSHIP DRIVE ATTN PAM KROHN NORTHUMBERLAND, PA 17857 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 15.83% |
| KEYSTONE INS & BNFTS GRP LLC3 | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $688 | $2K | 28.07% |
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 | 167 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES INC(G2001) | 119 | $656K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 202 | $55K |
| Vision | ANTHEM INSURANCE COMPANIES INC(G2001) | 119 | $656K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 167 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.