| 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 | PARAMOUNT DENTAL | $6K | — | $6K | 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 | $180 | $3K | 12.90% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | SYMETRA LIFE INSURANCE COMPANY | $627 | — | $627 | 2.99% |
| 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 | 8.19% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | VISION SERVICE PLAN | $416 | — | $416 | 2.55% |
| 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 | $453 | $5 | $458 | 8.70% |
| 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 | $291 | $7 | $298 | 6.92% |
| 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 | — | $5 | $5 | 0.12% |
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 | 353 | 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) | 353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PARAMOUNT DENTAL | 245 | $59K |
| Vision | VISION SERVICE PLAN | 131 | $16K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 353 | $21K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 16 | $4K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 353 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.