| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | 130 S MAIN STREET 400 SOUTH BEND, IN 46601 | THE LINCOLN NATIONAL LIFE INSUARNCE COMPANY | $156K | $26K | $182K | 22.02% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | PO BOX 11177 SOUTH BEND, IN 466340177 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | $4K | $34K | 8.10% |
| 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 | — | $12 | $12 | 0.00% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | 130 S MAIN STREET 400 SOUTH BEND, IN 46601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $58K | $8K | $66K | 27.27% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | PO BOX 11177 SOUTH BEND, IN 466340177 | VISION SERVICE PLAN | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NAMIC SERVICE CORPORATION EIN 35-1176317 NONE | Direct payment from the plan; Consulting (general) Service code 16 | 3601 VINCENNES ROAD INDIANAPOLIS, IN 46268 | $250K |
| BENELOGIC LLC EIN 52-2266758 NONE | Direct payment from the plan; Contract Administrator Service code 13 | 9475 DEERECO ROAD STE 310 TIMONIUM, MD 21093 | $34K |
| DOUG JENSEN NONE | Direct payment from the plan; Named fiduciary Service code 31 | 8743 FERRARO COURT NAPLES, FL 341142718 | $25K |
| THOMAS HOWELL FERGUSON EIN 59-3186310 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 2815 CENTENNIAL BLVD, 200 TALLAHASSEE, FL 323174569 | $21K |
| IHRA ADMINSTRATION EIN 46-5048228 NONE | Direct payment from the plan; Consulting (general) Service code 16 | 3601 VINCENNES ROAD INDINAPOLIS, IN 46268 | $21K |
| SIBSON CONSULTING EIN 13-1835864 NONE | Direct payment from the plan; Consulting (general); Actuarial Service code 11 | 30 WATERSIDE DR STE 3300 FARMINGTON, CT 06032 | $16K |
| WILLOW MARKETING EIN 35-1851721 NONE | Consulting (general); Direct payment from the plan Service code 16 | 3500 N MERIDIAN ST, 200 INDIANAPOLIS, IN 462084425 | $10K |
| PNC BANK, NA EIN 25-1211909 NONE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | 249 FIFTH AVE, ONE PNC PL PITTSBURGH, PA 15222 | $9K |
| TOWERS WATSON EIN 26-0775680 NONE | Contract Administrator; Direct payment from the plan Service code 13 | 2929 CAMPUS DR STE 400 SAN MATEO, CA 94403 | $8K |
| CONNECTYOURCARE EIN 81-0569632 NONE | Direct payment from the plan; Claims processing Service code 12 | 307 INTERNATIONAL CIR 200 HUNT VALLEY, MD 21030 | $7K |
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 | 644 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 345 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 989 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 844 | $423K |
| Vision | VISION SERVICE PLAN | 322 | $35K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSUARNCE COMPANY | 2,168 | $827K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSUARNCE COMPANY | 2,168 | $827K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 577 | $244K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,168 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.