| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEYSTONE BENEFIT GROUP3 Filed as: KEYSTONE BENEFIT GROUP, LLC | 6885 BELFORT OAKS PL SUITE 210 JACKSONVILLE, FL 32216 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $49K | $59K | 5.60% |
| KEYSTONE BENEFIT GROUP3 | 6885 BELFORT OAKS PL SUITE 210 JACKSONVILLE, FL 32216 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $736 | $4K | 18.26% |
| KEYSTONE BENEFIT GROUP3 | 6885 BELFORT OAKS PL SUITE 210 JACKSONVILLE, FL 32216 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $610 | $3K | 18.40% |
| KEYSTONE BENEFIT GROUP3 | 6885 BELFORT OAKS PL SUITE 210 JACKSONVILLE, FL 32216 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $533 | $3K | 18.36% |
| KEYSTONE BENEFIT GROUP3 Filed as: KEYSTONE BENEFIT GROUP LLC | 6885 BELFORT OAKS PL SUITE 210 JACKSONVILLE, FL 32216 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 28.61% |
| KEYSTONE BENEFIT GROUP3 | 6885 BELFORT OAKS PL SUITE 210 JACKSONVILLE, FL 32216 | ADVANTICA INSURANCE COMPANY | $570 | — | $570 | 9.88% |
| TRACY REEVES3 | 16273 SW 9TH STREET PEMBROKE PINES, FL 33027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $682 | — | $682 | 13.71% |
| MIKE DEVAUX3 | 6885 BELFORT OAKS PL SUITE 210 JACKSONVILLE, FL 32216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $328 | — | $328 | 6.60% |
| AMERICAN INS PLUS LLC3 | 8131 BAUTISTA WAY PALM BEACH GARDEN, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $132 | — | $132 | 2.65% |
| BARRY OLFERN AND ASSOC. INC3 Filed as: BARRY OLFERN AND ASSOCIATES INC | 954 TYLER ST HOLLYWOOD, FL 33019 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $976 | — | $976 | 24.89% |
| TRACY REEVES3 | 16273 SW 9TH ST PEMBROKE PINES, FL 33027 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $516 | — | $516 | 13.16% |
| KEYSTONE BENEFIT GROUP3 Filed as: KEYSTONE BENEFIT GROUP, LLC | 6885 BELFORT OAKS PL SUITE 210 JACKSONVILLE, FL 32216 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $353 | — | $353 | 10.00% |
| KEYSTONE BENEFIT GROUP3 | 6885 BELFORT OAKS PL SUITE 210 JACKSONVILLE, FL 32216 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $388 | $86 | $474 | 18.33% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 187 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 187 | $1.1M |
| Vision(2 contracts, 2 carriers) | ADVANTICA INSURANCE COMPANY | 144 | $9K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 223 | $23K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 130 | $21K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 69 | $18K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 187 | $1.1M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 223 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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.