| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGOWAN INSURANCE GROUP, LLC3 Filed as: MCGOWAN BENEFITS GROUP, LLC | 355 INDIANTA AVENUE SUITE 200 INDIANAPOLIS, IN 46204 | GRAVIE, ADMINISTRATIVE SERVICES LLC | $26K | — | $26K | 3.26% |
| KEYSTONE INSURANCE & BENEFITS GROUP | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | ANTHEM HEALTH PLANS OF KY, INC. | $6K | — | $6K | 2.00% |
| KENTUCKY CHAMBER3 Filed as: KENTUCKY CHAMBER OF COMMERCE | 464 CHENAULT ROAD FRANKFORT, KY 40601 | ANTHEM HEALTH PLANS OF KY, INC. | $1K | — | $1K | 0.46% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 435 WHITTINGTION PKWY SUITE 300 LOUISVILLE, KY 40222 | ANTHEM HEALTH PLANS OF KY, INC. | $615 | — | $615 | 0.21% |
| KEYSTON INS & BENEFITS GROUP LLC3 | 13800 JACKSON ROAD ATTN PAM KROHN MISHAWAKA, IN 465449195 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $8K | 19.68% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 1995 POINT TOWNSHIPDR NORTHUMBERLAND, PA 178578856 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $3K | $5K | 12.49% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | ANTHEM LIFE INSURANCE COMPANY | $151 | — | $151 | 22.57% |
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 | 258 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GRAVIE, ADMINISTRATIVE SERVICES LLC | 73 | $1.1M |
| Dental(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KY, INC. | 258 | $334K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KY, INC. | 258 | $334K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 258 | $42K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 258 | $42K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 258 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.