| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | 11801 N TATUM BLVD STE 124 PHOENIX, AZ 85028 | SYMETRA LIFE INSURANCE COMPANY | $4K | $852 | $5K | 17.79% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 ST ATE RTE 35 STE 368 WALL, NJ 07119 | SYMETRA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.49% |
| BRUMMEL, JOSEPH3 | 3161 WEST WHITE OAKS DRIVE, #105 SPRINGFIELD, IL 62704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $484 | — | $484 | 7.50% |
| RECHNER, KEITH3 | 3161 WEST WHITE OAKS DRIVE, #105 SPRINGFIELD, IL 62704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $484 | — | $484 | 7.50% |
| BRUMMEL, JOSEPH3 | 3161 WEST WHITE OAKS DRIVE, #105 SPRINGFIELD, IL 62704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $360 | — | $360 | 7.51% |
| RECHNER, KEITH3 | 3161 WEST WHITE OAKS DRIVE, #105 SPRINGFIELD, TX 62704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $360 | — | $360 | 7.51% |
| RECHNER, KEITH3 | 3161 WEST WHITE OAKS DRIVE, #105 SPRINGFIELD, IL 62704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $354 | — | $354 | 7.50% |
| BRUMMEL, JOSEPH3 | 3161 WEST WHITE OAKS DRIVE, #105 SRPINGFIELD, IL 62704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $354 | — | $354 | 7.50% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 145 | $36K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 41 | $5K |
| Long-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 145 | $35K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 145 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.