| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | 650 TRADE CENTRE WAY SUITE 310 KALAMAZOO, MI 49002 | HCC LIFE INSURANCE COMPANY | — | $34K | $34K | 8.38% |
| AUXIANT3 | 424 FIRST AVE NE CEDAR RAPIDS, IA 52401 | HCC LIFE INSURANCE COMPANY | $6K | — | $6K | 1.52% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | PO BOX 11107 FORT WAYNE, IN 468551107 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 11.45% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 12.05% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | 202 S MICHIGAN STREET SUITE 1400 SOUTH BEND, IN 46601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 11.51% |
| MEYERS GLAROS GROUP LLC3 Filed as: MEYERS GLAROS GROUP | 8605 BROADWAY MERRILLVILLE, IN 46410 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 3.01% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $585 | — | $585 | 0.78% |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 133 | $408K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 248 | $80K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 248 | $80K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 137 | $75K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 137 | $75K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 137 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.