| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORKPLACE SOLUTIONS, INC.3 | 120A GILLS CREEK PARKWAY COLUMBIA, SC 292091248 | RELIASTAR LIFE INSURANCE COMPANY | $62K | — | $62K | 16.49% |
| GIBSON INSURANCE AGENCY, INC.3 | 130 SOUTH MAIN STREET SUITE 400 SOUTH BEND, IN 466011817 | RELIASTAR LIFE INSURANCE COMPANY | $30K | — | $30K | 7.98% |
| BEAU DAVID BOUDREAUX3 | WORKPLACE SOLUTIONS 120A GILLS CREEK PARKWAY COLUMBIA, SC 292091252 | RELIASTAR LIFE INSURANCE COMPANY | $8K | — | $8K | 2.13% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC. | P.O. BOX 11177 SOUTH BEND, IN 46634 | SYMETRA LIFE INSURANCE COMPANY | $52K | $8K | $60K | 18.56% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC. | 130 SOUTH MAIN STREET SUITE 400 SOUTH BEND, IN 466011817 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $64 | $6K | 5.09% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC. | P.O. BOX 11177 SOUTH BEND, IN 466340177 | METROPOLITAN LIFE INSURANCE COMPANY | — | $64 | $64 | 0.06% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | 130 SOUTH MAIN STREET SUITE 400 SOUTH BEND, IN 466340177 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $572 | — | $572 | 10.00% |
| GIBSON INSURANCE AGENCY, INC.3 | 130 SOUTH MAIN STREET SUITE 400 SOUTH BEND, IN 466340177 | NATIONWIDE LIFE INSURANCE COMPANY | $578 | — | $578 | 15.01% |
| WORKPLACE SOLUTIONS, INC.3 | 120-A GILLS CREEK PARKWAY COLUMBIA, SC 29209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $100 | — | $100 | 5.47% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | 333 EAST JEFFERSON P.O. BOX 610 PLYMOUTH, IN 46563 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $48 | — | $48 | 2.63% |
| DAVID BEAU BOUDREAUX3 | 120-A GILLS CREEK PARKWAY COLUMBIA, SC 29209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10 | — | $10 | 0.55% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5 | — | $5 | 0.27% |
| WORKPLACE SOLUTIONS, INC.3 | 120-A GILLS CREEK PARKWAY COLUMBIA, SC 29209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 3.10% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC. | 333 EAST JEFFERSON P.O. BOX 610 PLYMOUTH, IN 46563 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 1.41% |
| DAVID BEAU BOUDREAUX3 | 120-A GILLS CREEK PARKWAY COLUMBIA, SC 29209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.28% |
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 | 1,641 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,655 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,902 | $115K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,641 | $323K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,641 | $323K |
| Other(6 contracts, 6 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,641 | $710K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,902 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.