| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIBSON INSURANCE AGENCY, INC.3 | 130 S MAIN ST STE 400 SOUTH BEND, IN 46601 | UNITED STATES FIRE INSURANCE CO | — | $25K | $25K | 12.10% |
| AUXIANT3 | 424 FIRST AVENUE NORTHEAST CEDAR RAPIDS, IA 52401 | UNITED STATES FIRE INSURANCE CO | $7K | — | $7K | 3.51% |
| GIBSON INSURANCE AGENCY, INC.3 | 202 S MICHIGAN ST SUITE 1400 SOUTH BEND, IN 46601 | PARAMOUNT DENTAL | $6K | — | $6K | 10.00% |
| GIBSON INSURANCE AGENCY, INC.3 | 202 S MICHIGAN ST SUITE 1400 SOUTH BEND, IN 46601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $297 | $8K | 15.61% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $279 | $7K | 20.86% |
| GIBSON INSURANCE AGENCY, INC.3 | 202 S MICHIGAN ST SUITE 1400 SOUTH BEND, IN 46601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $83 | $3K | 10.26% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $203 | $4K | 21.04% |
| GIBSON INSURANCE AGENCY, INC.3 | 202 S MICHIGAN ST SUITE 1400 SOUTH BEND, IN 46601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $39 | $1K | 6.20% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $90 | $2K | 20.82% |
| GIBSON INSURANCE AGENCY, INC.3 | 202 S MICHIGAN ST SUITE 1400 SOUTH BEND, IN 46601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $27 | $1K | 10.24% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $85 | $2K | 20.99% |
| GIBSON INSURANCE AGENCY, INC.3 | 202 S MICHIGAN ST SUITE 1400 SOUTH BEND, IN 46601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $518 | $16 | $534 | 6.18% |
| GIBSON INSURANCE AGENCY, INC.3 | 202 S MICHIGAN ST SUITE 1400 SOUTH BEND, IN 46601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $785 | — | $785 | 10.00% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED STATES FIRE INSURANCE CO | 94 | $210K |
| Dental | PARAMOUNT DENTAL | 191 | $63K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 160 | $8K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 199 | $57K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 56 | $32K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 43 | $11K |
| Stop-loss / reinsurancereinsurance | UNITED STATES FIRE INSURANCE CO | 94 | $210K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 199 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.