| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | PO BOX 610 PLYMOUTH, IN 46563 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $20 | $18K | 2.13% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | 202 SOUTH MICHIGAN STREET SUITE 1400 SOUTH BEND, IN 46601 | METROPOLITAN LIFE INSURANCE COMPANY | $400 | $20 | $420 | 0.05% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | 202 SOUTH MICHIGAN STREET SUITE 1400 SOUTH BEND, IN 46601 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $98K | $0 | $98K | 14.97% |
| WORKPLACE SOLUTIONS, INC.3 | 120-A GILLS CREEK PARKWAY COLUMBIA, SC 29209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $79K | $15K | $94K | 31.76% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | PO BOX 610 333 EAST JEFFERSON PLYMOUTH, IN 46563 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37K | $4K | $41K | 13.90% |
| DAVID BEAU BOUDREAUX3 | 120 GILLS CREEK PARKWAY COLUMBIA, SC 29209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 2.73% |
| WORKPLACE SOLUTIONS, INC.3 | 120-A GILLS CREEK PARKWAY COLUMBIA, SC 29209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $82K | $10K | $92K | 43.70% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | PO BOX 610 333 EAST JEFFERSON PLYMOUTH, IN 46563 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $38K | $2K | $40K | 19.17% |
| DAVID BEAU BOUDREAUX3 | 120 GILLS CREEK PARKWAY COLUMBIA, SC 29209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 3.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING 2 SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $2K | $2K | 0.81% |
| WORKPLACE SOLUTIONS, INC.3 | 120-A GILLS CREEK PARKWAY COLUMBIA, SC 29209 | UNUM INSURANCE COMPANY | $27K | $3K | $30K | 14.27% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | PO BOX 610 333 EAST JEFFERSON PLYMOUTH, IN 46563 | UNUM INSURANCE COMPANY | $12K | $488 | $13K | 6.24% |
| DAVID BEAU BOUDREAUX3 | 120 GILLS CREEK PARKWAY COLUMBIA, SC 29209 | UNUM INSURANCE COMPANY | $2K | $0 | $2K | 1.00% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | 202 SOUTH MICHIGAN STREET SUITE 1400 SOUTH BEND, IN 46601 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $572 | — | $572 | 10.00% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | 130 SOUTH MAIN STREET SUITE 400 SOUTH BEND, IN 46634 | NATIONWIDE LIFE INSURANCE COMPANY | $842 | — | $842 | 15.00% |
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 | 1,746 | 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) | 1,760 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $6K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,754 | $858K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,754 | $858K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,746 | $866K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,746 | $656K |
| Other(4 contracts, 4 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,029 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,754 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.