| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NXTGEN, LLC3 Filed as: NXTGEN, LLC DBA THE DEHAYES GROUP | 11118 COLDWATER ROAD FORT WAYNE, IN 46845 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $39K | — | $39K | 7.67% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN AND ASSOCIATES, L | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $23K | — | $23K | 4.60% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | 202 S. MICHIGAN STREET SUITE 1400 SOUTH BEND, IN 46601 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $8K | — | $8K | 1.53% |
| NXTGEN, LLC3 | 11118 COLDWATER ROAD FORT WAYNE, IN 46845 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | — | $13K | 13.73% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN AND ASSOCIATES | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 4.58% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 3.30% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | P.O. BOX 11177 SOUTH BEND, IN 46634 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.27% |
| NXTGEN, LLC3 | 11118 COLDWATER ROAD FORT WAYNE, IN 46845 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | — | $13K | 13.78% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN AND ASSOCIATES | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 4.59% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 3.21% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | P.O. BOX 11177 SOUTH BEND, IN 46634 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.22% |
| RDD MARKETING, INC.3 | 8984 DARROW ROAD SUITE 2-121 TWINSBURG, OH 44087 | TOKIO MARINE HCC | $3K | — | $3K | 4.59% |
| NXTGEN, LLC3 | 11118 COLDWATER ROAD FORT WAYNE, IN 46845 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 13.73% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN AND ASSOCIATES | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 4.58% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.35% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | P.O. BOX 11177 SOUTH BEND, IN 46634 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $832 | — | $832 | 1.27% |
| NXTGEN, LLC3 | 11118 COLDWATER ROAD FORT WAYNE, IN 46845 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 18.27% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN AND ASSOCIATES | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.57% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.66% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | P.O. BOX 11177 SOUTH BEND, IN 46634 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $486 | — | $486 | 1.73% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.75% |
| NXTGEN, LLC3 | 11118 COLDWATER ROAD FORT WAYNE, IN 46845 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.57% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN AND ASSOCIATES | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.57% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | P.O. BOX 11177 SOUTH BEND, IN 46634 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $115 | — | $115 | 0.42% |
| NXTGEN, LLC3 | 11118 COLDWATER ROAD FORT WAYNE, IN 46845 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 18.30% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN AND ASSOCIATES | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.58% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $920 | $920 | 3.69% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | P.O. BOX 11177 SOUTH BEND, IN 46634 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $423 | — | $423 | 1.70% |
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 | 488 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 488 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 416 | $510K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 416 | $510K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 488 | $125K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $65K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 400 | $94K |
| Other(4 contracts, 2 carriers) | TOKIO MARINE HCC | 488 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 488 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.