| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEY BENEFIT ADMINISTRATORS, INC3 Filed as: KEY BENEFIT ADMINISTRATORS, INC. | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | COMPANION LIFE INSURANCE | $107K | — | $107K | 16.09% |
| KEY DISTRIBUTION PARTNERS LLC3 | 300 AVE OF CHAMPIONS STE 240 PALM BEACH GARDENS, FL 33148 | COMPANION LIFE INSURANCE | $7K | — | $7K | 1.09% |
| RHONBERG DONALD M3 | 15601 GARDENSIDE LN TAMPA, FL 33624 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $10K | — | $10K | 4.33% |
| MACKO MARK3 Filed as: MACKO JEANNINE | 1616 CALLE LAS CASAS OCEANSIDE, CA 92056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $10K | — | $10K | 4.33% |
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 | 1,111 | 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) | 1,111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE INSURANCE | 54 | $662K |
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | 940 | $231K |
| Other(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE | 940 | $893K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 940 | — |
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.