| 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 | $4K | $0 | $4K | 12.55% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GROUP LLC | 1995 POINT TOWNSHIP DR NORTHUMBERLAN, PA 178578856 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.10% |
| N-GAGE LLC3 | 1999 PINECREST RD SUAMICO, WI 543137653 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $826 | $826 | 2.56% |
| ENROLLEASE3 Filed as: ENROLLEASE INC | 1980 FESTIVAL PLAZA DR STE 810 LAS VEGAS, NV 891352958 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $659 | $659 | 2.04% |
| THE HORTON GROUP3 Filed as: HORTON GROUP INC | 10320 ORLAND PKWY ORLAND PARK, IL 604675658 | METROPOLITAN LIFE INSURANCE COMPANY | $25 | $37 | $62 | 0.19% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $8 | $0 | $8 | 0.02% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2 | $2 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 14.47% |
| N-GAGE LLC3 | 1999 PINECREST RD SUAMICO, WI 543137653 | METROPOLITAN LIFE INSURANCE COMPANY | $817 | $114 | $931 | 33.73% |
| 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 | $827 | $0 | $827 | 29.96% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP LLC | 19995 POINT TOWNSHIP DR NORTHUMBERLAN, PA 175878856 | METROPOLITAN LIFE INSURANCE COMPANY | $227 | $0 | $227 | 8.22% |
| ENROLLEASE3 Filed as: ENROLLEASE INC | 1980 FESTIVAL PLAZA DR STE 810 LAS VEGAS, NV 891352958 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $91 | $91 | 3.30% |
| THE HORTON GROUP3 Filed as: HORTON GROUP INC | 10320 ORLAND PKWY ORLAND PARK, IL 604675658 | METROPOLITAN LIFE INSURANCE COMPANY | $4 | $37 | $41 | 1.49% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.04% |
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 | 237 | 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) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 64 | $3K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 237 | $32K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 237 | $32K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 237 | $39K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 237 | $32K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 237 | $39K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 237 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.