Welfare broker

KEYES COVERAGE INC

Mailing address (most recent filing)

5900 N HIATUS RD

TAMARAC, FL 33321

Total comp: $416K
Commissions: $279K
Fees: $137K
Filings: 12
Sponsors: 12

Carrier mix

Where KEYES COVERAGE INC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY33.3%
HUMANA INSURANCE COMPANY33.3%
AVMED33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY	1	$1.5M	33.3%
HUMANA INSURANCE COMPANY	1	$1.2M	33.3%
AVMED	1	$419K	33.3%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
FL	3	$3.1M	0.1%	25.39x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of KEYES COVERAGE INC's plans by broker comp / premium ratio. Median 6.64% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

Share of KEYES COVERAGE INC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-3 of 3 sponsors where KEYES COVERAGE INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
IQOR IQOR HEALTH AND WELFARE PLAN	FL	$1.5M	$157K	LINCOLN NATIONAL LIFE INSURANCE COMPANY
REX THREE, INC. REX THREE, INC. HEALTH AND WELFARE BENEFIT PLAN	FL	$1.2M	$80K	HUMANA MEDICAL PLAN, INC.
INTERNATIONAL MEDICAL INDUSTRIES, INC. INTERNATIONAL MEDICAL INDUSTRIES, INC. WELFARE BENEFIT PLAN	FL	$419K	$24K	AVMED

Carrier

Plans

Premium

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY

$1.5M

33.3%

HUMANA INSURANCE COMPANY

$1.2M

33.3%

AVMED

$419K

33.3%

State

Plans

Premium

State share

Index

$3.1M

0.1%

25.39x

Sponsor

Loc

Premium

Comp

Carrier

IQOR

IQOR HEALTH AND WELFARE PLAN

$1.5M

$157K

LINCOLN NATIONAL LIFE INSURANCE COMPANY

REX THREE, INC.

REX THREE, INC. HEALTH AND WELFARE BENEFIT PLAN

$1.2M

$80K

HUMANA MEDICAL PLAN, INC.

INTERNATIONAL MEDICAL INDUSTRIES, INC.

INTERNATIONAL MEDICAL INDUSTRIES, INC. WELFARE BENEFIT PLAN

$419K

$24K

AVMED