| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | 202 S MICHIGAN ST STE1400 SOUTH BEND, IN 46601 | PARAMOUNT DENTAL | $11K | — | $11K | 10.00% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | PO BOX 11107 FORT WAYNE, IN 468551107 | VISION SERVICE PLAN | $3K | — | $3K | 9.99% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $162 | — | $162 | 0.50% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | 202 S MICHIGAN ST STE 1400 SOUTH BEND, IN 46601 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 6.04% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | TRUSTMARK INSURANCE COMPANY | $902 | — | $902 | 3.55% |
| THE WORKSITE GROUP LLC3 Filed as: THE WORKSITE GROUP | 1900 POLARIS PKWY, SUITE 450 COLUMBUS, OH 43240 | TRUSTMARK INSURANCE COMPANY | $902 | — | $902 | 3.55% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | 202 S MICHIGAN ST STE 1400 SOUTH BEND, IN 46601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $207 | $4K | 15.84% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | 202 S MICHIGAN ST STE 1400 SOUTH BEND, IN 46601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $192 | $4K | 15.80% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | 202 S MICHIGAN ST STE 1400 SOUTH BEND, IN 46601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $1K | $6K | 24.60% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | 202 S MICHIGAN ST STE1400 SOUTH BEND, IN 46601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $125 | $3K | 15.70% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | 202 S MICHIGAN ST STE 1400 SOUTH BEND, IN 46601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $49 | $1K | 15.60% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | TRUSTMARK INSURANCE COMPANY | $457 | — | $457 | 7.57% |
| THE WORKSITE GROUP LLC3 Filed as: THE WORKSITE GROUP | 1900 POLARIS PARKWAY - SUITE 450 COLUMBUS, OH 43240 | TRUSTMARK INSURANCE COMPANY | $411 | — | $411 | 6.81% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | 202 S MICHIGAN ST STE 1400 SOUTH BEND, IN 46601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $688 | $35 | $723 | 15.76% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | 202 S MICHIGAN ST STE 1400 SOUTH BEND, IN 46601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $658 | $49 | $707 | 16.12% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | 202 S MICHIGAN ST STE 1400 SOUTH BEND, IN 46601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $513 | $31 | $544 | 15.90% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | 202 S MICHIGAN ST STE 1400 SOUTH BEND, IN 46601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $492 | — | $492 | 19.99% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | 202 S MICHIGAN ST STE 1400 SOUTH BEND, IN 46601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $357 | $17 | $374 | 15.72% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | 202 S MICHIGAN ST STE 1400 SOUTH BEND, IN 46601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $352 | — | $352 | 20.02% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | 202 S MICHIGAN ST STE 1400 SOUTH BEND, IN 46601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $343 | — | $343 | 19.98% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | 202 S MICHIGAN ST STE 1400 SOUTH BEND, IN 46601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $278 | — | $278 | 20.03% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | 202 S MICHIGAN ST STE 1400 SOUTH BEND, IN 46601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $260 | — | $260 | 20.02% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | 202 S MICHIGAN ST STE 1400 SOUTH BEND, IN 46601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $253 | — | $253 | 19.98% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | 202 S MICHIGAN ST STE 1400 SOUTH BEND, IN 46601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $72 | $14 | $86 | 11.93% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | 202 S MICHIGAN ST STE 1400 SOUTH BEND, IN 46601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $87 | — | $87 | 19.91% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | 202 S MICHIGAN ST STE 1400 SOUTH BEND, IN 46601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $66 | — | $66 | 20.00% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | 202 S MICHIGAN ST STE 1400 SOUTH BEND, IN 46601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $37 | $2 | $39 | 15.79% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | 202 S MICHIGAN ST STE1400 SOUTH BEND, IN 46601 | ANTHEM INSURANCE COMPANIES, INC. | $68K | — | $68K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 CLAIMS PROCESSING | Float revenue; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $288K |
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 | 420 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 421 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | TRUSTMARK INSURANCE COMPANY | 65 | $34K |
| Dental | PARAMOUNT DENTAL | 495 | $108K |
| Vision | VISION SERVICE PLAN | 225 | $32K |
| Life insurance(5 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 179 | $87K |
| Short-term disability(8 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 65 | $70K |
| Long-term disability(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 22 | $24K |
| Prescription drug | ANTHEM INSURANCE COMPANIES, INC. | 0 | $0 |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANIES, INC. | 0 | $0 |
| Other(9 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 179 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 495 | — |
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."
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.