| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INS AGENCY INC | 202 S MICHIGAN ST STE 1400 SOUTH BEND, IN 466012020 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $1K | $23K | 15.76% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INS AGENCY INC | 202 S MICHIGAN ST STE 1400 SOUTH BEND, IN 46601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $2K | $7K | 5.15% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INS AGENCY INC | 202 S MICHIGAN ST STE 1400 SOUTH BEND, IN 46601 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $324 | $3K | 8.11% |
| MMA SERVICE CORP3 Filed as: MMA SERVICE GROUP | 620 S CAPITOL AVE LANSING, MI 48933 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INS AGENCY INC | 202 S MICHIGAN ST STE 1400 SOUTH BEND, IN 46601 | EYEMED | $6K | — | $6K | — |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 2338 IMMOKALEE RD NAPLES, FL 34110 | EYEMED | $3K | — | $3K | — |
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 | 660 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 660 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED | 775 | $0 |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 802 | $178K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 747 | $135K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 802 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 802 | — |
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.