| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEYSTONE INSURANCE & BENEFITS GROUP3 | 200 W MAIN CAMBRIDGE CITY, IN 47327 | ANTHEM INSURANCE COMPANIES, INC. | $31K | — | $31K | 1.69% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 | 13800 JACKSON RD MISHAWAKA, IN 46544 | ANTHEM INSURANCE COMPANIES, INC. | $27K | — | $27K | 3.62% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURANCE AND BENEFITS GRP | 1995 CROWN POINT DR NORTHUMBERLAND, PA 17857 | HEALTH RESOURCES, INC. | $10K | — | $10K | 10.00% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 | 13800 JACKSON RD MISHAWAKA, IN 46544 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 19.29% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 | 13800 JACKSON RD MISHAWAKA, IN 46544 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $361 | $3K | 16.53% |
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 | 234 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | ANTHEM INSURANCE COMPANIES, INC. | 244 | $2.6M |
| Dental(2 contracts) | HEALTH RESOURCES, INC. | 233 | $104K |
| Vision(2 contracts, 2 carriers) | ANTHEM INSURANCE COMPANIES, INC. | 230 | $774K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 133 | $79K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 133 | $79K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 133 | $79K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 133 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.