| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | 202 S MICHIGAN ST STE 1400 SOUTH BEND, IN 46601 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $436 | $7K | 16.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $638 | $638 | 1.46% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | PO BOX 11107 FORT WAYNE, IN 468551107 | VISION CARE | $2K | — | $2K | 9.32% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION CARE | — | $16 | $16 | 0.09% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | 202 S MICHIGAN ST STE 1400 SOUTH BEND, IN 46601 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $152 | $3K | 20.93% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $210 | $210 | 1.28% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES NELLIGAN & ASSOCIATES | 1933 STAT RTE 35 STE 360 WALL TOWNSHIP, NJ 07719 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $60 | $60 | 0.37% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | 202 S MICHIGAN ST STE 1400 SOUTH BEND, IN 46601 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $123 | $1K | 10.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $136 | $136 | 0.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $158K |
| GIBSON INSURANCE AGENCY INC EIN 35-1116724 BROKER | Other commissions Service code 55 | 202 S MICHIGAN ST SOUTH BEND, IN 46601 | $26K |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 141 | $406K |
| Other(4 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 261 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.