| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INS AGENCY INC | 333 E JEFFERSON ST PLYMOUTH, IN 46563 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 9.24% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 4.60% |
| GIBSON INSURANCE AGENCY, INC.3 | 202 S MICHIGAN ST STE 1400 SOUTH BEND, IN 466012020 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | — | $16K | 14.99% |
| UNIFIED GROUP SERVICES, INC.3 | 3131 EAST 67TH STREET ANDERSON, IN 46013 | HCC LIFE INSURANCE COMPANY | $4K | $678 | $4K | 11.80% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | PO BOX 610 PLYMOUTH, IN 46563 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 12.52% |
| INSURANCE RESOURCE GROUP INC3 Filed as: INSURANCE RESOURCE GROUP, INC. | PO BOX 159 ROANOKE, IN 46783 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $577 | — | $577 | 2.08% |
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 | 212 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 193 | $115K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 193 | $28K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 212 | $110K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 212 | $110K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 212 | $110K |
| Other | HCC LIFE INSURANCE COMPANY | 174 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.