| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT EDUCATORS LLC3 Filed as: BENEFIT EDUCATORS, LLC | 2516 WAUKEGAN ROAD, SUITE 357 GLENVIEW, IL 60025 | RELIASTAR LIFE INSURANCE COMPANY | $689K | $0 | $689K | 24.74% |
| GIBSON INSURANCE AGENCY, INC.3 | 130 SOUTH MAIN STREET, SUITE 400 SOUTH BEND, IN 46601 | RELIASTAR LIFE INSURANCE COMPANY | $342K | $111K | $453K | 16.27% |
| GIBSON INSURANCE AGENCY, INC.3 | 202 SOUTH MICHIGAN STREET SUITE 1400 SOUTH BEND, IN 46601 | HEALTH RESOURCES, INC. | $136K | $0 | $136K | 4.98% |
| GIBSON INSURANCE AGENCY, INC.3 | 202 SOUTH MICHIGAN STREET SUITE 1400 SOUTH BEND, IN 46601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $457K | $39K | $497K | 20.31% |
| BENEFIT EDUCATORS LLC3 Filed as: BENEFIT EDUCATORS, LLC | 1954 SUNSET RIDGE ROAD GLENVIEW, IL 60025 | TRANSAMERICA LIFE INSURANCE COMPANY | $148K | $0 | $148K | 11.06% |
| GIBSON INSURANCE AGENCY, INC.3 | 202 SOUTH MICHIGAN STREET SUITE 1400 SOUTH BEND, IN 46601 | TRANSAMERICA LIFE INSURANCE COMPANY | $60K | $0 | $60K | 4.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 17535 GENERATIONS DRIVE SOUTH BEND, IN 46635 | TRANSAMERICA LIFE INSURANCE COMPANY | $18K | $0 | $18K | 1.38% |
| GIBSON INSURANCE AGENCY, INC.3 | PO BOX 11107 FORT WAYNE, IN 46855 | VISION SERVICE PLAN | $37K | $0 | $37K | 6.98% |
| GIBSON INSURANCE AGENCY, INC.3 | 202 SOUTH MICHIGAN STREET SUITE 1400 SOUTH BEND, IN 46601 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $456 | $0 | $456 | 5.11% |
| ANTHONY NYERS3 | 53800 GENERATIONS DRIVE SOUTH BEND, IN 46635 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $100 | $0 | $100 | 1.12% |
| SIGNATOR INSURANCE AGENCY INC3 Filed as: SIGNATOR INSURANCE AGENCY, INC. | 197 CLARENDON STREET, SUITE C BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $57 | $0 | $57 | 0.64% |
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 | 10,475 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,511 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HEALTH RESOURCES, INC. | 11,891 | $2.7M |
| Vision | VISION SERVICE PLAN | 5,008 | $533K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,475 | $3.8M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,475 | $2.4M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,475 | $2.4M |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 10,475 | $5.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,891 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.