| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | 202 S MICHIGANT ST 1400 SOUTH BEND, IN 46601 | SYMETRA LIFE INSURANCE COMPANY | $70K | $12K | $82K | 11.77% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC. | 130 S. MAIN ST 400 SOUTH BEND, IN 46601 | DELTA DENTAL OF INDIANA | $28K | — | $28K | 8.50% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC. | 202 S MICHIGAN ST SUITE 1400 SOUTH BEND, IN 46601 | ANTHEM INSURACE COMPANIES, INC | $7K | — | $7K | 9.99% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC. | 202 S MICHIGAN ST, STE 1400 SOUTH BEND, IN 46601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVCES INC. | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $63 | $63 | 0.37% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC. | 202 S MICHIGAN ST, STE 1400 SOUTH BEND, IN 46601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCES SERVICES INC. | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $49 | $49 | 0.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| L.M. HENDERSON & COMPANY, LLP EIN 20-5520612 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $24K |
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 | 2,166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 540 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,706 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 803 | $328K |
| Vision | ANTHEM INSURACE COMPANIES, INC | 519 | $70K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,327 | $695K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,327 | $695K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,327 | $695K |
| Other(3 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,327 | $724K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,327 | — |
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.