| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GROUP LLC | 1995 POINT TOWNSHIP DRIVE NORTH CUMBERLAND, PA 17857 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 9.11% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 1995 POINT TOWNSHIP DRIVE NORTH CUMBERLAND, PA 17857 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NATIONAL HEALTH INSURANCE COMPANY N/A | Claims processing Service code 12 | PO BOX 619999 DALLAS, TX 75261 | $123K |
| NATIONAL GENERAL INSURANCE COMPANY N/A | Claims processing Service code 12 | 1515 NORTH RIVERCENTER DRIVE SUITE 135 MILWAUKEE, WI 53212 | $91K |
| ROGER BENEFIT GROUP INC BROKER | Insurance agents and brokers Service code 22 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | $32K |
| WISEMAN AGENCY INC BROKER | Insurance agents and brokers Service code 22 | 451 SECOND AVE GALLIPOLIS, OH 45631 | $30K |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 392 | $77K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 392 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 392 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.