| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC. | 202 SOUTH MICHIGAN STREET SUITE 1400 SOUTH BEND, IN 46601 | HEALTH RESOURCES, INC. | $5K | — | $5K | 10.00% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC. | 202 SOUTH MICHIGAN STREET SUITE 1400 SOUTH BEND, IN 46601 | SYMETRA LIFE INSURANCE COMPANY | $3K | $659 | $4K | 18.20% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC. | 202 SOUTH MICHIGAN STREET SUITE 1400 SOUTH BEND, IN 466012020 | VISION SERVICE PLAN | $1K | — | $1K | 10.03% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC. | P.O. BOX 610 333 EAST JEFFERSON PLYMOUTH, IN 46563 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $554 | $11 | $565 | 10.91% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC. | P.O. BOX 610 333 EAST JEFFERSON PLYMOUTH, IN 46563 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $457 | $22 | $479 | 11.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $16 | $16 | 0.38% |
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 | 255 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HEALTH RESOURCES, INC. | 234 | $54K |
| Vision | VISION SERVICE PLAN | 117 | $14K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 255 | $21K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 19 | $4K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 255 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.