Plan Ledger DOL Form 5500 · updated monthly

Keystone Cooperative, Inc.benefits

Keystone Cooperative, Inc.. Health and Welfare Plan · INDIANAPOLIS, IN · plan year 2025

Broker compensation reported · 2025
$458,494

Keystone Cooperative, Inc.'s benefits plans covered 1,732 active participants in 2025, providing health · life · dental · vision · short-term disability · long-term disability · other. Insurance premiums totaled $166,835. Insurance brokers and agents were paid $458,494 in commissions and fees, costs that ultimately come out of what the employer and employees pay for coverage. That works out to 274.8% of premiums. That is $265 per covered person, above the median for employer plans that report broker pay. Broker pay rose 10.0% from $416,981 in 2024.

Insurance contracts · 20258
VISION SERVICE PLAN · vision$167K · 1,290 covered
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY · lifepremiums n/a · 1,752 covered
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY · ltdpremiums n/a · 1,732 covered
THE LINCOLN NATIONAL LIFE INSURANCE COMPANYpremiums n/a · 1,999 covered
SWISS RE CORPORATE SOLUTIONS AMERICAN INS.CORP · stop-losspremiums n/a · 1,541 covered
Brokers & agents paid · 20255
FIRST PERSON, INC$167,402
LOCKTON COMPANIES, LLC$200,234 · incl $38,758 fees
TOTALIS BENEFITS$41,527 · incl $41,527 fees
LOCKTON SPECIALTIES$40,881 · incl $40,881 fees
LOCKTON COMPANIES$8,450 · incl $8,450 fees
Also brokered by First Person, Inc5

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Source: DOL Form 5500 Schedule A, plan year 2025, EIN 861490446 · Verify on EFAST2 · Amounts are as reported by the plan sponsor.