| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHAMROCK INSURANCE SERVICES3 Filed as: SHAMROCK INSURNACE GROUP | 3102 HOME ST MISHAWAKA, IN 46545 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 13.66% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $948 | $3K | 7.51% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | 202 MICHIGAN ST. SUI5E 1400 SOUTH BEND, IN 46601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $676 | — | $676 | 1.79% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $10K | — | $10K | 31.45% |
| SHAMROCK INSURANCE SERVICES3 Filed as: SHAMROCK INSURANCE GROUP | 3102 N. HOME ST. SUITE 1400 MISHAWAKA, IN 46545 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $3K | — | $3K | 8.46% |
| SHAMROCK INSURANCE SERVICES3 Filed as: SHAMROCK INSURANCE GROUP | 51583 HIGHLAND SHORES DR. GRANGER, IN 46530 | VISION SERVICE PLAN | $2K | — | $2K | 5.99% |
| SHAMROCK INSURANCE SERVICES3 Filed as: SHAMROCK INSURANCE GROUP | 51593 HIGHLAND SHORES DR. GRANGER, IN 46530 | VISION SERVICE PLAN | $2K | — | $2K | 5.99% |
| SHAMROCK INSURANCE SERVICES3 Filed as: SHAMROCK INSURANCE GROUP LLC | 3102 N. HOME ST. MISHAWAKA, IN 46545 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 23.17% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $851 | $5K | 17.82% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | 202 MICHIGAN ST. SUI5E 1400 SOUTH BEND, IN 46601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $331 | — | $331 | 1.10% |
| TOTALIS CONSUMER BENEFIT SOLUTTIONS3 | 1909 PINNACLE POINTE WAY KNOXILLE, FL 347728212 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $104 | $2K | 19.59% |
| SHAMROCK INSURANCE SERVICES3 Filed as: SHAMROCK INSURANCE GROUP | 3102 N. HOME ST. MISHAWAKA, IN 46545 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 11.67% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | 202 MICHIGAN ST. SUI5E 1400 SOUTH BEND, IN 46601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $82 | — | $82 | 0.83% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 Filed as: TOTALIS CONSUMER BENEFIT SOLUTIONA | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $123 | $2K | 19.77% |
| SHAMROCK INSURANCE SERVICES3 Filed as: SHAMROCK INSURANCE GROUP | 3102 N. HOME ST. MISHAWAKA, IN 46545 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 11.37% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | 202 MICHIGAN ST. SUI5E 1400 SOUTH BEND, IN 46601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $109 | — | $109 | 1.13% |
| SHAMROCK INSURANCE SERVICES3 Filed as: SHAMROCK INSURANCE GROUP LLC | 3102 N. HOME ST. MISHAWAKA, IN 46545 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| SHAMROCK INSURANCE SERVICES3 Filed as: SHAMROCK INSURANCE GROUP LLC | 3102 N. HOME ST. MISHAWAKA, IN 46545 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $421 | — | $421 | 22.97% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 | 1909 PINNACLE POINTE WAY KNOXILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $183 | $43 | $226 | 12.33% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | 202 MICHIGAN ST. SUI5E 1400 SOUTH BEND, IN 46601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $30 | — | $30 | 1.64% |
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 | 232 | 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) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 198 | $33K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 387 | $71K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 76 | $30K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 71 | $9K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 387 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 387 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.