| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GROUP LLC | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | METROPOLITAN LIFE INSURANCE COMPANY | $54K | $28K | $83K | 7.28% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | METROPOLITAN LIFE INSURANCE COMPANY | $55K | $15K | $71K | 6.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFIT SERVICES | 750 WARRENVILLE ROAD SUITE 400 LISLE, IL 60532 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | — | $19K | 1.64% |
| KEYSTONE INS & BNFTS GRP LLC3 | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | $14K | $40K | 13.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFIT SVCS | 750 WARRENVILLE ROAD SUITE 400 LISLE, IL 60532 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | — | $19K | 6.38% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP LLC | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $9K | $9K | 2.87% |
| KEYSTONE INS & BNFTS GRP LLC3 | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $8K | $26K | 16.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFIT SVCS | 750 WARRENVILLE ROAD SUITE 400 LISLE, IL 60532 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 8.53% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP LLC | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 2.87% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GROUP LLC | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $2K | $13K | 17.00% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $6K | 7.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFIT SERVICES | 750 WARRENVILLE ROAD SUITE 400 LISLE, IL 60532 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 5.06% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GROUP LLC | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $2K | $13K | 17.42% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $6K | 8.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFIT SERVICES | 750 WARRENVILLE ROAD SUITE 400 LISLE, IL 60532 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 4.91% |
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 | 1,468 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,481 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,982 | $1.1M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,982 | $1.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,982 | $1.1M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 372 | $300K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 211 | $160K |
| Stop-loss / reinsurancereinsurance | SKYWARD UNDERWRITERS AGENCY, INC. | 1,419 | $993K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,982 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,982 | — |
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."
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.