| 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 | $116K | — | $116K | 2.34% |
| BRANDON PENKO3 | 4297 MAGNOLIA BEND DR. ROSHARON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $49K | — | $49K | 35.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KY | 13101 MAGISTERIAL DRIVE STE 200 LOUISVILLE, KY 40223 | TRUSTMARK INSURANCE COMPANY | $10K | — | $10K | 7.40% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURANCE BENEFITS GROUP | 13800 JACKSON BLVD MISHAWAKA, IN 46544 | TRUSTMARK INSURANCE COMPANY | $6K | — | $6K | 4.64% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | TRUSTMARK INSURANCE COMPANY | $773 | — | $773 | 0.56% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR. ROSHARON, TX 77583 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | — | $16K | 15.60% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KENTUCKY INC | 13101 MAGISTERIAL DRIVE STE 200 LOUISVILLE, KY 40223 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $1K | $8K | 8.27% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $1K | $6K | 5.95% |
| KEYSTONE INS & BFTS GRP LLC3 Filed as: KEYSTONE INS. & BENEFIT GROUP LLC | 1995 POINT TOWNSHIP DR NORTHUMBERLAN, PA 17857 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $143 | $1K | 1.37% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | P.O. BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $733 | $733 | 0.72% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR. ROSHARON, TX 77583 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | — | $19K | 20.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KENTUCKY INC | 13101 MAGISTERIAL DRIVE STE 200 LOUISVILLE, KY 40223 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $1K | $10K | 10.25% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $993 | $6K | 6.21% |
| 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 | $2K | $130 | $2K | 1.99% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | P.O. BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $649 | $649 | 0.68% |
| BRANDON PENKO3 | 4927 MAGNOLIA ROSHARON, TX 77583 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | — | $16K | — |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KENTUCKY INC | 13101 MAGISTERIAL DRIVE STE 200 LOUISVILLE, KY 40223 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $1K | $8K | — |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $908 | $5K | — |
| 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 | $1K | $137 | $2K | — |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | P.O. BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $686 | $686 | — |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KENTUCKY INC | 13101 MAGISTERIAL DRIVE STE 200 LOUISVILLE, KY 40223 | METROPOLITAN LIFE INSURANCE COMPANY | $71K | $8K | $79K | — |
| 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 | $18K | $1K | $19K | — |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $3K | $13K | — |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFIT ADMINISTRATOR | P.O. BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | -$17K | -$17K | — |
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 | 544 | 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) | 544 | 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 | 544 | $5.2M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 1,392 | $5.0M |
| Life insurance(2 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 1,392 | $139K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,392 | $0 |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,392 | $0 |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 403 | $5.0M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,392 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,392 | — |
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."
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.