| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIBSON INSURANCE AGENCY, INC.3 | 202 SOUTH MICHIGAN STREET SUITE 1400 SOUTH BEND, IN 46601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $51K | $4K | $54K | 13.38% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 | 257 NORTH CALDERWOOD STREET SUITE 357 ALCOA, TN 37701 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $38K | $0 | $38K | 9.50% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $0 | $9K | 2.23% |
| GIBSON INSURANCE AGENCY, INC.3 | 202 SOUTH MICHIGAN STREET SUITE 1400 SOUTH BEND, IN 46601 | HRI DENTAL & VISION | $24K | $0 | $24K | 10.00% |
| GIBSON INSURANCE AGENCY, INC.3 | 202 SOUTH MICHIGAN STREET SUITE 1400 SOUTH BEND, IN 46601 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $0 | $8K | 10.00% |
| GIBSON INSURANCE AGENCY, INC.3 | 202 SOUTH MICHIGAN STREET SUITE 1400 SOUTH BEND, IN 46601 | ANTHEM INSURANCE COMPANIES, INC. | $6K | $0 | $6K | 9.93% |
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 | 511 | 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) | 511 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HRI DENTAL & VISION | 894 | $236K |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 947 | $57K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 511 | $405K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 511 | $405K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 511 | $405K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 872 | $482K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 947 | — |
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.