| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WINTERS INSURANCE GROUP LLP3 Filed as: WINTERS INSURANCE GROUP | — | SUN LIFE INSURANCE COMPANY | $61K | — | $61K | 14.00% |
| HEALTHCOMP3 | — | SUN LIFE INSURANCE COMPANY | $4K | — | $4K | 1.00% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 13800 JACKSON ROAD ATTN PAM KROHN MISHAWAKA, IN 46544 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $1K | $9K | 11.68% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GROUP LLC | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $547 | $4K | 5.71% |
| CONRAD A DVORAK3 | 2301 EAST HUNTINGTON DRIVE QUINCY, IL 62301 | AFLAC | $3K | $175 | $3K | 9.25% |
| ANDREW T CRAWFORD3 | 6 COLLINS PLACE JACKSONVILLE, IL 62650 | AFLAC | $558 | $38 | $596 | 1.75% |
| TIMOTHY J REED3 Filed as: TIMOTHY S INGRAM | 1731 MOUNT ZION ROAD JACKSONVILLE, IL 62650 | AFLAC | $489 | $38 | $527 | 1.55% |
| BARBARA A BULLION3 | 3486 EAST BOOT TRACK TRAIL GILBERT, AZ 85296 | AFLAC | $178 | — | $178 | 0.52% |
| ERNEST A BUCKMAN3 | 2627 NORTHRIDGE DRIVE QUINCY, IL 62305 | AFLAC | $175 | — | $175 | 0.51% |
| ETHEL P EBLEN3 | 330 BELLEZZA DRIVE BALLWIN, MO 63021 | AFLAC | $136 | — | $136 | 0.40% |
| COLIN M JONES3 | 2751 PATTEN AVENUE GENEVA, IL 60134 | AFLAC | $118 | — | $118 | 0.35% |
| ERIC MCCLELLAND3 Filed as: ERIC M MCCLELLAND | 6231 NORTH 96TH STREET FOWLER, IL 62338 | AFLAC | $110 | — | $110 | 0.32% |
| TRUMAN E WILSON3 | PO BOX 8249 EAST SIDE STATION ST JOSEPH, MO 64508 | AFLAC | $79 | — | $79 | 0.23% |
| BENJAMIN M PONDER3 | 339 BROADWAY STREET SUITE 136 CAPE GIRARDEAU, MO 63701 | AFLAC | $76 | — | $76 | 0.22% |
| CHRISTOPHER J BAYER3 | 11 FAIRWAY ROAD GALESBURG, IL 61401 | AFLAC | $64 | — | $64 | 0.19% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY J FRYE | 1508 NORTH CHURCH ROAD SUITE B LIBERTY, MO 64068 | AFLAC | $51 | — | $51 | 0.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ELDON R GALLAHER | 704 EAST 1900TH STREET LIBERTY, IL 62347 | AFLAC | $49 | — | $49 | 0.14% |
| PETER J SPIRES3 | 1343 COCONINO LOOP HAPPY JACK, AZ 86024 | AFLAC | $46 | — | $46 | 0.14% |
| VICKI S LYNN3 | 408 WEST MAIN STREET ARENZVILLE, IL 62611 | AFLAC | $40 | — | $40 | 0.12% |
| SANDY A GUMM3 | 512 RAINTREE DRIVE SAINT JOSEPH, MO 64506 | AFLAC | $39 | — | $39 | 0.11% |
| JOSEPH P BLESSING3 | 910 R STREET HANNIBAL, MO 63401 | AFLAC | $37 | — | $37 | 0.11% |
| TYE ELLIOTT3 | 2315 WEST PINNACLE DRIVE DUNLAP, IL 61525 | AFLAC | $36 | — | $36 | 0.11% |
| MICHAEL S MOORE3 | 2630 EAST COUNTY ROAD 1300 NORTH CARTHAGE, IL 62321 | AFLAC | $34 | — | $34 | 0.10% |
| WESNER ENTERPRISES LLC3 | 1508 NORTH CHURCH ROAD SUITE B LIBERTY, MO 64068 | AFLAC | $28 | — | $28 | 0.08% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $25 | — | $25 | 0.07% |
| TERRY J SILVERS3 | 100 GREENLEAF DRIVE FLAT ROCK, NC 28731 | AFLAC | $24 | — | $24 | 0.07% |
| KELLY THOMAS3 | 9800 OLD BASS ROAD EUGENE, MO 65032 | AFLAC | $23 | — | $23 | 0.07% |
| CHARLES DAVIS3 | 6015 NORTHEAST WOODBINE ROAD SUITE B SAINT JOSEPH, MO 64505 | AFLAC | $21 | — | $21 | 0.06% |
| JOHN D TYLER3 | 2131 KILEY WAY EDMOND, OK 73034 | AFLAC | $20 | — | $20 | 0.06% |
| ELIZABETH M GASPAROVIC3 | 18 NORTH SMITH STREET PALATINE, IL 60067 | AFLAC | $19 | — | $19 | 0.06% |
| TIMOTHY B ASBY3 | 11500 GOLDEN WILLOW COURT ZIONSVILLE, IN 46077 | AFLAC | $15 | — | $15 | 0.04% |
| DEVINE PEGRAM BALL3 | 536 TEAL DRIVE CHATHAM, IL 62629 | AFLAC | $14 | — | $14 | 0.04% |
| SHANNON M BRENNEKE3 | 3021 BLAZING RIDGE JEFFERSON CITY, MO 65101 | AFLAC | $13 | — | $13 | 0.04% |
| CHRISTOPHER M ASHTON3 Filed as: CHRISTOPHER M ASTON | 5962 SCREAMING EAGLE LANE COLUMBIA, MO 65201 | AFLAC | $10 | — | $10 | 0.03% |
| THE C & S GROUP INC3 Filed as: THE C&S GROUP INC | 2301 BURLINGTON STREET SUITE 200 NORTH KANSAS CITY, MO 64116 | AFLAC | $9 | — | $9 | 0.03% |
| CHRISTIE MARZARI3 Filed as: CHRISTIE MARZRI | 3343 LANELL LANE PEARL, MS 39208 | AFLAC | $7 | — | $7 | 0.02% |
| GREGORY J SHARP3 | 702 EAST 5TH STREET COAL VALLEY, IL 61240 | AFLAC | $6 | — | $6 | 0.02% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 NORTH CHURCH ROAD SUITE B LIBERTY, MO 64068 | AFLAC | $6 | — | $6 | 0.02% |
| CHAD J BASLER3 | 460 NORTHEAST LAKES EDGE DR LEES SUMMIT, MO 64064 | AFLAC | $5 | — | $5 | 0.01% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $5 | — | $5 | 0.01% |
| JAY P HIGGINS3 | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $5 | — | $5 | 0.01% |
| BRADLEY T VANDEGRIFFE3 | 914 CREEKMOOR DRIVE RAYMORE, MO 64083 | AFLAC | $5 | — | $5 | 0.01% |
| BRADLEY K HARRISON3 | 3824 BENNINGTON LANE JEFFERSON CITY, MO 65109 | AFLAC | $4 | — | $4 | 0.01% |
| TRAVIS COCKBURN3 Filed as: TRAVIS J COCKBURN | PO BOX 335 JOHNSTON CITY, IL 62951 | AFLAC | $4 | — | $4 | 0.01% |
| ALLEN CALK3 | 3942 EAST WESCOTT DRIVE PHOENIX, AZ 85050 | AFLAC | $3 | — | $3 | 0.01% |
| GEORGE P OWENS3 | 653 NORTH ANTLER DRIVE MT ZION, IL 62549 | AFLAC | $2 | — | $2 | 0.01% |
| JASON HOFFARD3 | 3415 OFFICE PARK DRIVE SUITE C MARION, IL 62959 | AFLAC | $2 | — | $2 | 0.01% |
| MARTHA MONCKTON3 | 2411 EAST GRANDVIEW AVENUE PEORIA, IL 61614 | AFLAC | $2 | — | $2 | 0.01% |
| MICHAEL A ORTIZ3 | 740 CHEYENNE LANE ELGIN, IL 60123 | AFLAC | $2 | — | $2 | 0.01% |
| CONSTANCE I LAGER3 | 5109 NORTHEAST 55TH TERRACE KANSAS CITY, MO 64119 | AFLAC | $2 | — | $2 | 0.01% |
| JENNIFER SMITH3 Filed as: JENNIFER L SMITH | 4640 SOUTH STEWART AVENUE SPRINGFIELD, MO 65804 | AFLAC | $2 | — | $2 | 0.01% |
| KYLE J HORN3 | 2222 WEST GERALD COURT PEORIA, IL 61615 | AFLAC | $1 | — | $1 | 0.00% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 NORTH CLARK STREET SUITE 625 CHICAGO, IL 60654 | AFLAC | $1 | — | $1 | 0.00% |
| AUSTIN J PETERSON3 | 11116 AURORA AVENUE URBANDALE, IA 50322 | AFLAC | $1 | — | $1 | 0.00% |
| TYSON C FUNK3 | 917 CROWN POINTE TERRACE COURT WILDWOOD, MO 63021 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES A SMAARDYK3 Filed as: JAMES A SMAARDYJK | 3972 HOLLIS AVENUE PORT CHARLOTTE, FL 33953 | AFLAC | $0 | — | $0 | 0.00% |
| JOANN KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $0 | — | $0 | 0.00% |
| JEFFREY HIMMELRICK3 Filed as: JEFFREY A HIMMELRICK | 2215 WEST A STREET NORTH PLATTE, NE 69101 | AFLAC | $0 | — | $0 | 0.00% |
| CHRISTOPHER M ASHTON3 | 28 NORTH 8TH STREET GUITAR BUILDING SUITE 317 COLUMBIA, MO 65201 | AFLAC | $0 | — | $0 | 0.00% |
| ASHTON CONSULTING INC3 | 5962 SCREAMING EAGLE LANE COLUMBIA, MO 65201 | AFLAC | $0 | — | $0 | 0.00% |
| KEYSTONE INS & BNFTS GRP LLC3 | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $852 | $5K | 24.35% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $981 | $981 | 5.00% |
| KEYSTONE INS & BNFTS GRP LLC3 | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $671 | $4K | 24.28% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $784 | $784 | 5.00% |
| KEYSTONE INS & BNFTS GRP LLC3 | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $699 | $4K | 24.94% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $708 | $708 | 5.00% |
| KEYSTONE INS & BNFTS GRP LLC3 | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $440 | $3K | 24.11% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $534 | $534 | 5.00% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 165 | $78K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 165 | $78K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 128 | $34K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 70 | $11K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 111 | $16K |
| Stop-loss / reinsurancereinsurance | SUN LIFE INSURANCE COMPANY | 104 | $433K |
| Other(3 contracts, 2 carriers) | AFLAC | 128 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.