| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIBSON INSURANCE AGENCY, INC.3 | 202 S MICHIGAN ST STE 1400 SOUTH BEND, IN 466012020 | PRINCIPAL LIFE INSURANCE COMPANY | $23K | $6K | $29K | 19.16% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INS AGENCY INC | 202 S MICHIGAN ST #1400 SOUTH BEND, IN 46601 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 10.77% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 4.86% |
| UNIFIED GROUP SERVICES, INC.3 | 3131 EAST 67TH STREET ANDERSON, IN 46013 | HCC LIFE INSURANCE COMPANY | $4K | $515 | $5K | 11.29% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INS AGENCY INC | PO BOX 11107 FORT WAYNE, IN 46855 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.07% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | PO BOX 610 PLYMOUTH, IN 46563 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $448 | — | $448 | 1.69% |
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 | 238 | 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) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 219 | $115K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 522 | $26K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 238 | $154K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 238 | $154K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 238 | $154K |
| Other | HCC LIFE INSURANCE COMPANY | 212 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 522 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.