| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTH PLAN MANAGEMENT GROUP LLC3 | 2124 WEST CHESTERFIELD BOULEVARD SUITE D101 SPRINGFIELD, MO 65807 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 2.97% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | METROPOLITAN LIFE INSURANCE COMPANY | $31 | $1K | $1K | 0.29% |
| INNOVARE HEALTH PLAN GROUP, INC3 Filed as: INNOVARE HEALTH PLAN GROUP INC | 2861 SOUTH MEADOWBROOK AVENUE SUITE 200 SPRINGFIELD, MO 65807 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 22.75% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | METROPOLITAN LIFE INSURANCE COMPANY | — | $258 | $258 | 1.32% |
| INNOVARE HEALTH PLAN GROUP, INC3 Filed as: INNOVARE HEALTH PLAN GROUP INC | 2861 S MEADOWBROOK AVE SUITE 200 SPRINGFIELD, MO 65807 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 22.08% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | METROPOLITAN LIFE INSURANCE COMPANY | — | $96 | $96 | 0.78% |
| INNOVARE HEALTH PLAN GROUP, INC3 Filed as: INNOVARE HEALTH PLAN GROUP INC | 2861 S MEADOWBROOK AVE SUITE 200 SPRINGFIELD, MO 65807 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 22.25% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | METROPOLITAN LIFE INSURANCE COMPANY | — | $73 | $73 | 1.00% |
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 | 294 | 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) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 761 | $411K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 761 | $411K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 761 | $411K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 761 | $411K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 761 | $411K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE | 299 | $783K |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 761 | $450K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 761 | — |
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."
No prospect flags tripped on this filing.