Welfare broker

KEYES INSURANCE SERVICES

Mailing address (most recent filing)

5075 SOUTH 1500 WEST

RIVERDALE, UT 84405

Carrier mix

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

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
SELECTHEALTH	2	$18.1M	40.0%
METROPOLITAN LIFE INSURANCE COMPANY	2	$640K	40.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$855K	20.0%

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
UT	5	$19.6M	0.6%	131.45x

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 INSURANCE SERVICES's plans by broker comp / premium ratio. Median 3.59% vs welfare-wide median 6.29% (n=5).

Prospect-flag exposure · vs market baseline

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

1-5 of 5 sponsors where KEYES INSURANCE SERVICES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
LIFETIME PRODUCTS, INC. LIFETIME PRODUCTS, INC. WELFARE & FLEXIBLE BENEFITS PLAN	UT	$13.8M	$251K	SELECTHEALTH
UTAH CANCER SPECIALISTS PC UTAH CANCER SPECIALISTS, PC WELFARE BENEFIT PLAN	UT	$4.4M	$157K	SELECTHEALTH
NUTRACEUTICAL CORPORATION NUTRACEUTICAL CORPORATION	UT	$613K	$50K	METROPOLITAN LIFE INSURANCE COMPANY
UNITED TEAM MECHANICAL, LLC UNITED TEAM MECHANICAL - BASIC LIFE	UT	$28K	$4K	METROPOLITAN LIFE INSURANCE COMPANY
OVERLAND WEST, INC. OVERLAND WEST, INC. EMPLOYEE BENEFIT PLAN	UT	$855K	$1K	CIGNA HEALTH AND LIFE INSURANCE COMPANY