| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIBSON INSURANCE AGENCY, INC. Filed as: GIBSON INSURANCE AGENCY | 202 S MICHIGAN ST STE 1400 SOUTH BEND, IN 46601 | RELIANCE STANDARD | $6K | — | $6K | 4.03% |
| NFP INSURANCE SERVICES INC | 1250 CAPITAL OF TX HWY BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD | — | $1K | $1K | 0.65% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INS AGCY INC | 202 S MICHIGAN ST STE 1400 SOUTH BEND, IN 46601 | METROPOLITAN LIFE INSURANCE OCMPANY | $14K | $191 | $14K | 15.09% |
| GIBSON INSURANCE AGENCY, INC.3 | PO BOX 11107 FORT WAYNE, IN 46855 | EYEMED | $5K | — | $5K | 9.14% |
| JAMES R NELLIGAN & ASSOCIATES LLC Filed as: JAMES R. NELLIGAN & ASSOCIATES | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | EYEMED | $2K | — | $2K | 4.57% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INS AGCY INC | 202 S MICHIGAN ST STE 1400 SOUTH BEND, IN 46601 | METROPOLITAN LIFE INSURANCE OCMPANY | $2K | — | $2K | 7.63% |
| MMA SERVICE CORP3 | 620 S CAPITOL AVE LANSING, MI 48933 | METROPOLITAN LIFE INSURANCE OCMPANY | — | $2K | $2K | 5.00% |
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 | 669 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 669 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED | 717 | $54K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE OCMPANY | 811 | $128K |
| Long-term disability | RELIANCE STANDARD | 735 | $160K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE OCMPANY | 811 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 811 | — |
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.