| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | 333 E JEFFERSON STREET PLYMOUTH, IN 46563 | ANTHEM INSURANCE COMPANIES, INC. | $30K | — | $30K | 1.15% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | ONE PARK PLAZA, STE 600 IRVUNE, CA 92614 | ANTHEM INSURANCE COMPANIES, INC. | $2K | — | $2K | 0.06% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | P O BOX 11177 SOUTH BEND, IN 46634 | ANTHEM INSURANCE COMPANIES, INC. | $7K | — | $7K | 4.49% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $4K | $29K | 53.87% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | 333 E JEFFERSON STREET PLYMOUTH, IN 46563 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $868 | $11K | 21.44% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 2839 PACES FERRY RD SE, STE 1200 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $86 | — | $86 | 0.16% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY, STE 125 AUSTIN, TX 78746 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | P O BOX 11177 SOUTH BEND, IN 46634 | ANTHEM LIFE INSURANCE COMPANY | $6K | — | $6K | 12.36% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $18K | $3K | $22K | 49.52% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | 333 E JEFFERSON STREET PLYMOUTH, IN 46563 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $709 | $9K | 19.57% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY, STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $526 | $526 | 1.20% |
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 | 480 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 480 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 334 | $2.6M |
| Dental | ANTHEM INSURANCE COMPANIES, INC. | 349 | $155K |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 300 | $24K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 489 | $46K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 489 | $46K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 489 | $46K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 406 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 489 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.