| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIBSON INSURANCE AGENCY, INC.3 | 130 S MAIN ST #400 SOUTH BEND, IN 46601 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 2.79% |
| GIBSON INSURANCE AGENCY, INC.3 | PO BOX 11177 SOUTH BEND, MI 46634 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $6K | $14K | 17.45% |
| GIBSON INSURANCE AGENCY, INC.3 | PO BOX 11177 SOUTH BEND, MI 46634 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $5K | $9K | 13.66% |
| GIBSON INSURANCE AGENCY, INC.3 | PO BOX 11177 SOUTH BEND, MI 46634 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $8K | 16.35% |
| GIBSON INSURANCE AGENCY, INC.3 | PO BOX 11177 SOUTH BEND, MI 46634 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 16.41% |
| GIBSON INSURANCE AGENCY, INC.3 | PO BOX 11177 SOUTH BEND, MI 46634 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $2K | $4K | 17.09% |
| GIBSON INSURANCE AGENCY, INC.3 | PO BOX 11107 FORT WAYNE, IN 46855 | VISION SERVICE PLAN | $945 | — | $945 | 4.55% |
| GIBSON INSURANCE AGENCY, INC.3 | 202 S. MICHIGAN ST. STE 1400 SOUTH BEND, IN 46601 | VISION SERVICE PLAN | $184 | — | $184 | 0.89% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $122 | — | $122 | 0.59% |
| GIBSON INSURANCE AGENCY, INC.3 | PO BOX 11177 SOUTH BEND, MI 46634 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $325 | $258 | $583 | 17.97% |
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 | 212 | 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) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 355 | $86K |
| Vision | VISION SERVICE PLAN | 194 | $21K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 212 | $81K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $66K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 213 | $47K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 212 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 355 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.