| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GROUP LLC | 1995 POINT TOWNSHIP DR ATTN PAM KROHN NORTHUMBERLAN, PA 178578856 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $17 | $8K | 10.58% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 1995 POINT TOWNSHIP DR NORTHUMBERLAN, PA 178578856 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 3.76% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GROUP LLC | 1995 POINT TOWNSHIP DR ATTN PAM KROHN NORTHUMBERLAN, PA 178578856 | METROPOLITAN LIFE INSURANCE COMPANY | $768 | $17 | $785 | 15.72% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 1995 POINT TOWNSHIP DR NORTHUMBERLAN, PA 178578856 | METROPOLITAN LIFE INSURANCE COMPANY | $192 | — | $192 | 3.84% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GROUP LLC | 1995 POINT TOWNSHIP DR ATTN PAM KROHN NORTHUMBERLAN, PA 178578856 | METROPOLITAN LIFE INSURANCE COMPANY | $516 | $17 | $533 | 17.67% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 1995 POINT TOWNSHIP DR NORTHUMBERLAN, PA 178578856 | METROPOLITAN LIFE INSURANCE COMPANY | $129 | — | $129 | 4.28% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CURRENT HEALTH SOLUTIONS SERVICE PROVIDER | Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 1246 BROADWAY 217-277-8980 QUINCY, IL 62301 | $346K |
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 | 100 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 31 | $8K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 159 | $73K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 159 | $73K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 159 | $73K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 159 | $73K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 159 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.