| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF KENTUCKY | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $93K | — | $93K | 1.89% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GROUP LLC | 1995 POINT TOWNSHIP DR ATTN PAM KROHN NORTHUMBERLAND, PA 17857 | METROPOLITAN LIFE INSURANCE COMPANY | $66K | $769 | $66K | 12.10% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFIT ADMINISTRATOR | P.O. BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $21K | $21K | 3.80% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $16 | $5K | 0.92% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 0.79% |
| BRANDON PENKO3 | 4297 MAGNOLIA BEND DR. ROSHARON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $83K | — | $83K | 58.70% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURANCE BENEFITS GROUP | 13800 JACKSON BLVD MISHAWAKA, IN 46544 | TRUSTMARK INSURANCE COMPANY | $37K | — | $37K | 26.12% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | TRUSTMARK INSURANCE COMPANY | $11K | — | $11K | 8.00% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR. ROSHARON, TX 77583 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 15.32% |
| KEYSTONE INS & BFTS GRP LLC3 Filed as: KEYSTONE INS & BENEFITS GROUPS LLC | 1995 POINT TOWNSHIP DR ATTN PAM KROHN NORTHUMBERLAND, PA 17857 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $73 | $8K | 8.32% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $16 | $4K | 3.79% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | P.O. BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 3.78% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $742 | $742 | 0.73% |
| BRANDON PENKO3 | 4927 MAGNOLIA ROSHARON, TX 77583 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | — | $16K | 17.25% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GROUP LLC | 1995 POINT TOWNSHIP DR. ATTN PAM KROHN NORTHUMBERLAND, PA 17857 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $68 | $9K | 9.36% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | P.O. BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 3.79% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $685 | $685 | 0.74% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR. ROSHARON, TX 77583 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | — | $17K | 19.50% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GROUP LLC | 1995 POINT TOWNSHIP DR ATTN PAM KROHN NORTHUMBERLAND, PA 17857 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $63 | $9K | 10.58% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $16 | $3K | 3.78% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | P.O. BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 3.76% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $610 | $610 | 0.72% |
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 | 487 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 487 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 473 | $5.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 811 | $549K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 811 | $691K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 811 | $549K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 811 | $549K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 401 | $4.9M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 811 | $549K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 811 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.