| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WINTERS INSURANCE GROUP LLP3 Filed as: WINTERS INSURANCE GROUP | — | BLUE CROSS AND BLUE SHIELD OF ILLINOIS | $107K | $6K | $113K | 4.08% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GROUP LLC | 13800 JACKSON RD ATTN PAM KROHN MISHAWAKA, IN 465449195 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $3K | $15K | 11.61% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 1995 POINT TOWNSHIP DR NORTHUMBERLAN, PA 178578856 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.76% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 1995 POINT TWONSHIP DR NORTHUMBERLAN, PA 178578856 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 3.14% |
| N-GAGE LLC3 | 1999 PINECREST RD SUAMICO, WI 543137653 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.88% |
| ENROLLEASE3 Filed as: ENROLLEASE INC | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.51% |
| THE HORTON GROUP3 Filed as: HORTON GROUP INC | 10320 ORLANDO PKWY ORLAND PARK, IL 604675658 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.86% |
| N-GAGE LLC3 | 1999 PINECREST RD SUAMICO, WI 543137653 | METROPOLITAN LIFE INSURANCE COMPANY | $650 | $312 | $962 | 5.84% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 1995 POINT TOWNSHIP DR NORTHUMBERLAN, PA 178578856 | METROPOLITAN LIFE INSURANCE COMPANY | — | $773 | $773 | 4.70% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GROUP LLC | 13800 JACKSON RD ATTN PAM KROHN MISHAWAKA, IN 465449195 | METROPOLITAN LIFE INSURANCE COMPANY | $458 | $268 | $726 | 4.41% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 1995 POINT TOWNSHIP DR NORTHUMBERLAN, PA 178578856 | METROPOLITAN LIFE INSURANCE COMPANY | $598 | — | $598 | 3.63% |
| ENROLLEASE3 Filed as: ENROLLEASE INC | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | METROPOLITAN LIFE INSURANCE COMPANY | — | $240 | $240 | 1.46% |
| THE HORTON GROUP3 Filed as: HORTON GROUP INC | 10320 ORLAND PKWY ORLAND PARK, IL 604675658 | METROPOLITAN LIFE INSURANCE COMPANY | $64 | $92 | $156 | 0.95% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $26 | — | $26 | 0.16% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6 | $6 | 0.04% |
| N-GAGE LLC3 | 1999 PINECREST RD SUAMICO, WI 543137653 | METROPOLITAN LIFE INSURANCE COMPANY | $902 | $307 | $1K | 7.40% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GROUP LLC | 13800 JACKSON RD ATTN PAM KROHN MISHAWAKA, IN 465449195 | METROPOLITAN LIFE INSURANCE COMPANY | $941 | $259 | $1K | 7.35% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP LLC | 1995 POINT TOWNSHIP DR NORTHUMBERLAN, PA 175878856 | METROPOLITAN LIFE INSURANCE COMPANY | — | $770 | $770 | 4.71% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 178578856 | METROPOLITAN LIFE INSURANCE COMPANY | $606 | — | $606 | 3.71% |
| ENROLLEASE3 Filed as: ENROLLEASE INC | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | METROPOLITAN LIFE INSURANCE COMPANY | — | $242 | $242 | 1.48% |
| THE HORTON GROUP3 Filed as: HORTON GROUP INC | 10320 ORLAND PKWY ORLAND PARK, IL 604675658 | METROPOLITAN LIFE INSURANCE COMPANY | $54 | $99 | $153 | 0.94% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $8 | — | $8 | 0.05% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS REASEARCH LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1 | $1 | 0.01% |
| N-GAGE LLC3 | 1999 PINECREST RD SUAMICO, WI 543137653 | METROPOLITAN LIFE INSURANCE COMPANY | $932 | $283 | $1K | 8.09% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GROUP LLO | 13800 JACKSON RD ATTN PAM KROHN MISHAWAKA, IN 465449195 | METROPOLITAN LIFE INSURANCE COMPANY | $946 | $236 | $1K | 7.87% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 1995 POINT TOWNSHIP DR NORTHUMBERLAN, PA 178578856 | METROPOLITAN LIFE INSURANCE COMPANY | — | $690 | $690 | 4.59% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 1995 POINT TOWNSHIP DR NORTHUMBERLAN, PA 178578856 | METROPOLITAN LIFE INSURANCE COMPANY | $557 | — | $557 | 3.71% |
| ENROLLEASE3 Filed as: ENROLLEASE INC | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | METROPOLITAN LIFE INSURANCE COMPANY | — | $223 | $223 | 1.48% |
| THE HORTON GROUP3 Filed as: HORTON GROUP INC | 10320 ORLAND PKWY ORLAND, IL 604675658 | METROPOLITAN LIFE INSURANCE COMPANY | $66 | $89 | $155 | 1.03% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $10 | — | $10 | 0.07% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2 | $2 | 0.01% |
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 | 236 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ILLINOIS | 140 | $2.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $131K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $131K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $131K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $131K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $131K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.