| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEYES COVERAGE INC3 | 5900 HIATUS RD TAMARAC, FL 333216417 | AETNA HEALTH, INC. | $208K | — | $208K | 6.33% |
| KEYES COVERAGE INC3 Filed as: KEYES COVERAGE, INC. | 5900 HIATUS ROAD TAMARAC, FL 33321 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.32% |
| KEYES COVERAGE INC3 | 5900 HIATUS RD TAMARAC, FL 333216417 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 7.52% |
| KEYES COVERAGE INC3 Filed as: KEYES COVERAGE, INC. | 5900 HIATUS ROAD TAMARAC, FL 33321 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 14.89% |
| KEYES COVERAGE INC3 | 5900 HIATUS RD TAMARAC, FL 33321 | HARTFORD LIFE AND ACCIDENT | $384 | — | $384 | 15.01% |
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 | 679 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 686 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH, INC. | 660 | $3.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 367 | $177K |
| Vision | HUMANA INSURANCE COMPANY | 274 | $29K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 683 | $31K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 683 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 683 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.