| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURANCE AND BENEFITS GRO | 13800 JACKSON RD MISHAWAKA, IN 46544 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $2K | $15K | 12.32% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $860 | $6K | 5.21% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | METROPOLITAN LIFE INSURANCE COMPANY | $381 | $133 | $514 | 0.42% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GROUP LLC | 13800 JACKSON RD MISHAWAKA, IN 46544 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $3K | $7K | 20.93% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GROUP LLC | 13800 JACKSON RD NORTHUMBERLAND, IN 46544 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $2K | $4K | 19.43% |
| MCB SOLUTIONS3 | 1795 ALYSHEBA WAY SUITE 1204 LEXINGTON, KY 40509 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 13.19% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS AND BENEFITS GROUP LLC | 13800 JACKSON RD MISHAWAKA, IN 46544 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $72 | $2K | 9.35% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | METROPOLITAN LIFE INSURANCE COMPANY | $898 | $134 | $1K | 5.19% |
| MCB SOLUTIONS3 | 1795 ALYSHEBA WAY SUITE 1204 LEXINGTON, KY 40509 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 18.47% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURANCE AND BENEFITS GRO | 13800 JACKSON RD MISHAWAKA, IN 46544 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $77 | $2K | 13.40% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | METROPOLITAN LIFE INSURANCE COMPANY | $748 | $145 | $893 | 7.34% |
| MCB SOLUTIONS3 | 1795 ALYSHEBA WAY SUITE 1204 LEXINGTON, KY 40509 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 34.97% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS AND BENEFITS GROUP LLC | 13800 JACKSON RD MISHAWAKA, IN 46544 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $65 | $2K | 24.65% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | METROPOLITAN LIFE INSURANCE COMPANY | $553 | $122 | $675 | 9.80% |
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 | 132 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | AULTCARE INSURANCE COMPANY | 112 | $510K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 243 | $123K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 243 | $123K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $23K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $34K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.