| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | 202 S MICHIGAN ST STE 1400 SOUTH BEND, IN 466012020 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $32K | $14K | $46K | 21.51% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE RTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $16K | $16K | 7.50% |
| PAYSERV LLC3 | 300 N WAYNE ST ANGOLA, IN 46703 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 2.44% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | 202 S MICHIGAN ST STE 1400 SOUTH BEND, IN 46601 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | $7K | $31K | 19.60% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE RTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $11K | $11K | 6.77% |
| PAYSERV LLC3 | 300 N WAYNE ST ANGOLA, IN 46703 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 2.34% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | 202 S MICHIGAN ST STE 1400 SOUTH BEND, IN 466012002 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | $8K | $32K | 26.28% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES NELLIGAN & ASSOCIATES LLC | 1933 STATE RTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $9K | $9K | 7.42% |
| PAYSERV LLC3 | 300 N WAYNE ST ANGOLA, IN 46703 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $298 | $298 | 0.24% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE ANGENCY INC | 202 S MICHIGAN ST STE 1400 SOUTH BEND, IN 466012020 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $5K | $22K | 26.71% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE RTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 7.58% |
| PAYSERV LLC3 | 300 N WAYNE ST ANGOLA, IN 46703 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $211 | $211 | 0.26% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | 202 S MICHIGAN ST STE 1400 SOUTH BEND, IN 46601 | EYEMED | $9K | — | $9K | 14.95% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | 202 S MICHIGAN ST STE 1400 SOUTH BEND, IN 466012020 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 21.62% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE RTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 7.54% |
| PAYSERV LLC3 | 300 N WAYNE ST ANGOLA, IN 46703 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $768 | $768 | 2.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRUE RX HEALTH STRATEGIES EIN 26-0502364 PBM | Claims processing Service code 12 | PO BOX 431 2495 E NATIONAL HWY WASHINGTON, IN 47501 | $61K |
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 | 648 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 648 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED | 502 | $61K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 797 | $246K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 796 | $157K |
| Other(3 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 797 | $236K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 797 | — |
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.
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.