| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEYES COVERAGE INC3 Filed as: KEYES COVERAGE, INC. | 5900 HIATUS RD TAMARAC, FL 33321 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 10.00% |
| NPC FINANCIAL INC.3 | 2 S BISCAYNE BLVD SUITE 1740 MIAMI, FL 33131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $101 | — | $101 | 0.20% |
| KEYES COVERAGE INC3 Filed as: KEYES COVERAGE, INC. | 5900 HIATUS ROAD TAMARAC, FL 33321 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| KEYES COVERAGE INC3 Filed as: KEYES COVERAGE, INC. | 5900 HIATUS ROAD TAMARAC, FL 33321 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| KEYES COVERAGE INC3 Filed as: KEYES COVERAGE, INC. | 5900 HIATUS ROAD TAMARAC, FL 33321 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $427 | — | $427 | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KEYES COVERAGE INC INSURANCE BROKER | Insurance agents and brokers Service code 22 | 5900 HIATUS ROAD TAMARAC, FL 33321 | $31K |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 85 | $50K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 85 | $50K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 40 | $10K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 14 | $3K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 46 | $15K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 40 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.