| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH84, LLC3 Filed as: NORTH84 LLC | 19 CARNABY DR BROWNSBURG, IN 46112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | $0 | $20K | 10.00% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | 3.77% |
| NORTH84, LLC3 Filed as: NORTH84 LLC | 19 CARNABY DR BROWNSBURG, IN 46112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $0 | $16K | 10.00% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 3.78% |
| NORTH84, LLC3 Filed as: NORTH84 LLC | 19 CARNABY DR BROWNSBURG, IN 46112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | $0 | $23K | 15.00% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 3.76% |
| NORTH84, LLC3 Filed as: NORTH84 LLC | 19 CARNABY DR BROWNSBURG, IN 46112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $0 | $13K | 10.00% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 3.80% |
| NORTH84, LLC3 Filed as: NORTH84 LLC | 19 CARNABY DR BROWNSBURG, IN 46112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | $6K | $31K | 25.00% |
| KEYST487893 | 13800 JACKSON RD MISHAWAKA, IN 46544 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 3.75% |
| NORTH84, LLC3 Filed as: NORTH84 LLC | 19 CARNABY DR BROWNSBURG, IN 46112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $6K | $28K | 25.00% |
| KEYST487893 | 13800 JACKSON RO MISHAWAKA, IN 46544 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.75% |
| TILSON BENEFITS GROUP LLC3 | 1530 AMERICAN WAY STE 200 GREENWOOD, IN 46143 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 9.19% |
| COMPASS CONSULTING GROUP INC3 | 315 E BAY ST STE 400 JACKSONVILLE, FL 32202 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1 | $1 | 0.00% |
| NORTH84, LLC3 Filed as: NORTH84 LLC | 19 CARNABY DR BROWNSBURG, IN 46112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | $5K | $25K | 25.00% |
| KEYST487893 | 13800 JACKSON RD MISHAWAKA, IN 46544 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.76% |
| NORTH84, LLC3 Filed as: NORTH84 LLC | 19 CARNABY DR BROWNSBURG, IN 46112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 10.00% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.75% |
| NORTH84, LLC3 Filed as: NORTH84 LLC | 19 CARNABY DR BROWNSBURG, IN 46112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 TPA | Contract Administrator Service code 13 | 200 PARK AVENUE NEW YORK, NY 10166 | $76K |
| HUMANA INSURANCE COMPANY EIN 39-1263473 TPA | Claims processing; Contract Administrator Service code 12 | PO BOX 4600 CAROL STREAM, IL 60197 | $55K |
| PROSPECTIVE RISK MANAGEMENT EIN 20-4770398 ACTUARY | Actuarial Service code 11 | 4348 SOUTHPOINT BLVD SUITE 410 JACKSONVILLE, FL 32216 | $51K |
| THE PEO AUXILLARY EIN 82-5347155 TPA | Contract Administrator Service code 13 | 812 E DAYTON ST STE 150 MADISON, WI 53705 | $21K |
| EVERYTHING BENEFITS EIN 46-5072394 TPA | Contract Administrator Service code 13 | 1253 SPRINGFIELD AVE STE 350 NEW PROVIDENCE, NJ 07974 | $14K |
| THRIVEPASS, INC. EIN 47-2065790 TPA | Contract Administrator Service code 13 | 3801 FRANKLIN STREET DENVER, CO 80205 | $2K |
| UNITED HEALTHCARE EIN 45-3508062 TPA | Contract Administrator; Claims processing Service code 12 | PO BOX 9472 MINNEAPOLIS, MN 55440 | $0 |
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 | 2,128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 598 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,693 | $107K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,693 | $107K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,128 | $155K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 690 | $101K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 307 | $212K |
| Other(5 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,128 | $691K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,128 | — |
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.