Keyme Locksmiths LLC
Updated Filing received by DOL
Keyme Locksmiths LLC, a manufacturing — metal, equipment, transportation employer in Hebron, Kentucky, reported 117 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 5 insurance contracts with no premium reported and $63,281 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on August 17, 2026, 2 days after the extended deadline.
Who was paid on Keyme Locksmiths LLC's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Keyme Locksmiths LLC filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Marsh McLennan Agency · San Diego, CA | $53,729 | $9,552 | $63,281 | 5 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2024, as published in EBSA's 2024 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Anthem Health Plans of Kentucky, Inc.health, prescription drug, PPO | 103 | — | $45,146 | — |
| Unum Life Insurance Company of Americashort-term disability, long-term disability | 41 | — | $2,978 | — |
| Unum Life Insurance Company of Americalife | 131 | — | $605 | — |
| Starmount Life Insurance Companydental, vision | 111 | — | $11,711 | — |
| Unum Life Insurance Company of Americalife | 52 | — | $2,841 | — |
Source: DOL Form 5500 Schedule A, plan year 2024. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Keyme Locksmiths LLC compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Keyme Locksmiths LLC Health and Welfare Plan#501 · insurance, general assets | October 31, 2025 | August 17, 2026 | 2 days late | 117 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Keyme Locksmiths LLC pay in health insurance broker commissions in 2024?
Keyme Locksmiths LLC's 2024 Form 5500 reports $63,281 in broker commissions and fees across 5 insurance contracts ($53,729 in commissions, $9,552 in fees), with Marsh McLennan Agency receiving the largest share.
Is Keyme Locksmiths LLC's health plan self-funded or fully insured?
The 2024 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Anthem Health Plans of Kentucky, Inc..
How does Keyme Locksmiths LLC's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Keyme Locksmiths LLC because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 100-199 participants that disclosed broker pay reported a median of $53,852.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.