| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | 130 SOUTH MAIN ST STE 400 SOUTH BEND, IN 46601 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $154K | $35K | $189K | 22.92% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY, INC | PO BOX 11177 SOUTH BEND, IN 46634 | OXFORD HEALTH INSURANCE, INC. | $22K | — | $22K | 3.01% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | PO BOX 11177 SOUTH BEND, IN 46634 | BLUE CROSS OF CALIFORNIA (G0200) | $29K | — | $29K | 4.55% |
| BANCORP SOUTH INS SVCS INC3 Filed as: BANCORP INS SERVICES INC | PO BOX 250 GULFPORT, MS 395020250 | UNITED HEALTHCARE INSURANCE COMPANY | $47K | — | $47K | 7.28% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | PO BOX 11177 SOUTH BEND, IN 46634 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $7K | $36K | 9.66% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | -$184 | — | -$184 | -0.05% |
| SAVOY ASSOCIATES3 Filed as: DONALD C. SAVOY ASSOCIATES | 25B HANOVER ROAD STE 220 FLORHAM PARK, NJ 07932 | KEYSTONE HEALTH PLAN EAST | $11K | — | $11K | 3.23% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | 130 SOUTH MAIN ST STE 400 SOUTH BEND, IN 46601 | AETNA | $7K | — | $7K | 2.68% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | 130 SOUTH MAIN ST STE 400 SOUTH BEND, IN 46601 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $60K | $11K | $70K | 28.21% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY, INC | 130 SOUTH MAIN ST STE 400 SOUTH BEND, IN 46601 | AETNA | $6K | — | $6K | 2.57% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | 130 SOUTH MAIN ST STE 400 SOUTH BEND, IN 46601 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $5K | — | $5K | 2.13% |
| CBDI, INC.3 Filed as: CBDI INC (GENAG) | 9 EVES DRIVE SUITE 150 MARLTON, NJ 08053 | KEYSTONE HEALTH PLAN EAST | $8K | — | $8K | 3.66% |
| SAVOY ASSOCIATES3 Filed as: DONALD C. SAVOY ASSOCIATES | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | KEYSTONE HEALTH PLAN EAST | $2K | — | $2K | 0.71% |
| GIBSON INSURANCE AGENCY, INC.3 | 130 S MAIN ST STE 400 SOUTH BEND, IN 46601 | AETNA LIFE INSURANCE COMPANY | $9K | — | $9K | 4.27% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INS AGY INC | PO BOX 11177 SOUTH BEND, IN 46634 | HUMANA HEALTH PLAN INC | $4K | — | $4K | 1.84% |
| GIBSON INSURANCE AGENCY, INC.3 | PO BOX 11177 SOUTH BEND, IN 466340177 | UNITED HEALTHCARE | $6K | — | $6K | 3.19% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | 130 SOUTH MAIN ST STE 400 SOUTH BEND, IN 46601 | AETNA | $8K | — | $8K | 4.49% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | PO BOX 11177 SOUTH BEND, IN 466340177 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 1.19% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | 130 SOUTH MAIN ST STE 400 SOUTH BEND, IN 46601 | AENTA | $2K | — | $2K | 2.70% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC. | 130 S MAIN ST STE 400 SOUTH BEND, IN 46601 | KAISER FOUNDATION PLAN OF THE MID-ATLANTIC | $3K | — | $3K | 3.71% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | PO BOX 11177 SOUTH BEND, IN 46634 | HMO MISSOURI, INC. | $2K | — | $2K | 2.36% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SERVICES INC | 8315 CANTRELL RD STE 300 LITTLE ROCK, AR 72227 | GUARDIAN | $5K | $3K | $8K | 10.66% |
| ALLEN FINANCIAL GROUP, PA3 Filed as: ALLEN FINANCIAL GROUP PA | 5898 RIDGEWOOD RD STE A JACKSON, MS 39236 | GUARDIAN | $99 | — | $99 | 0.14% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | 130 SOUTH MAIN ST STE 400 SOUTH BEND, IN 46601 | AETNA | $2K | — | $2K | 3.08% |
| GIBSON INSURANCE AGENCY, INC.3 | PO BOX 11177 SOUTH BEND, IN 466340177 | UNITED HEALTHCARE | $2K | — | $2K | 2.99% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | 130 SOUTH MAIN ST STE 400 SOUTH BEND, IN 46601 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $240 | — | $240 | 0.45% |
| CBDI, INC.3 Filed as: CBDI INC (GEN AG) | 9 EVES DRIVE STE 150 MARLTON, NJ 08053 | AMERIHEALTH HMO INC | $920 | — | $920 | 2.40% |
| SAVOY ASSOCIATES3 Filed as: DONALD C. SAVOY ASSOCIATES | 25 B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | AMERIHEALTH HMO INC | $138 | — | $138 | 0.36% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | 130 SOUTH MAIN ST STE 400 SOUTH BEND, IN 46601 | AETNA | $125 | — | $125 | 0.66% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INS AGY INC | PO BOX 11177 SOUTH BEND, IN 466340177 | HUMANADENTAL INSURANCE COMPANY | $2K | — | $2K | 9.22% |
| SOMEDAY IS TODAY LLC3 | 7116 E 71ST ST INDIANAPOLIS, IN 462561997 | HUMANADENTAL INSURANCE COMPANY | -$53 | — | -$53 | -0.30% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | 130 S MAIN ST STE 400 SOUTH BEND, IN 46601 | AETNA | $18 | — | $18 | 0.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NAMIC SERVICE CORPORATION EIN 35-1176317 N/A | Consulting (general) Service code 16 | 3601 VINCENNES ROAD INDIANAPOLIS, IN 46268 | $235K |
| BENELOGIC, LLC EIN 52-2266758 N/A | Contract Administrator Service code 13 | 2118 GREENSPRING DR TIMONIUM, MD 21093 | $39K |
| MCGOWAN INSURANCE GROUP EIN 35-1176039 N/A | Insurance agents and brokers Service code 22 | 355 INDIANA AVE STE 200 INDIANAPOLIS, IN 46204 | $28K |
| THOMAS HOWELL FERGUSON EIN 59-3186310 N/A | Accounting (including auditing) Service code 10 | 2815 CENTENNIAL BOULEVARD,SUITE 200 TALLAHASSEE, FL 323174569 | $20K |
| THE SEGAL COMPANY EIN 13-1835864 N/A | Actuarial Service code 11 | 300 WATERSIDE DRIVE, SUITE 300 FARMINGTON, MA 060323069 | $16K |
| PNC BANK, NA EIN 25-1211909 N/A | Trustee (bank, trust company, or similar financial institution) Service code 21 | 249 FIFTH AVE ONE PNC PLAZA PITTSBURGH, PA 15222 | $11K |
| DOUG JENSEN N/A | Named fiduciary Service code 31 | 8743 FERRARA CT NAPLES, FL 341142718 | $8K |
| CONNECTYOURCARE, LLC EIN 81-0569632 N/A | Claims processing Service code 12 | 307 INTERNATIONAL CIR STE 200 HUNT VALLEY, MD 21030 | $8K |
| TOWERS WATSON EIN 26-0775680 N/A | Contract Administrator Service code 13 | 2929 CAMPUS DR STE 400 SAN MATEO, CA 94403 | $8K |
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 | 669 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 330 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 999 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(28 contracts, 18 carriers) | OXFORD HEALTH INSURANCE, INC. | 126 | $6.1M |
| Dental(6 contracts, 6 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 641 | $1.0M |
| Vision(2 contracts, 2 carriers) | GUARDIAN | 323 | $106K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 957 | $1.2M |
| Long-term disability(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 602 | $250K |
| Prescription drug(3 contracts, 3 carriers) | TRUSTMARK LIFE INSRUANCE COMPANY | 50 | $909K |
| Stop-loss / reinsurancereinsurance | TRUSTMARK LIFE INSRUANCE COMPANY | 39 | $405K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 957 | $824K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 957 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.