| 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 | — | $28K | $28K | 13.62% |
| EMPLOYEE GROUP SERVICES, LTD3 | 424 FIRST AVE NE CEDAR RAPIDS, IA 52401 | UNITED STATES FIRE INSURANCE CO | $9 | — | $9 | 0.00% |
| GIBSON INSURANCE AGENCY, INC.3 | 202 S MICHIGAN ST SUITE 1400 SOUTH BEND, IN 46601 | PARAMOUNT DENTAL | $7K | — | $7K | 10.00% |
| GIBSON INSURANCE AGENCY, INC.3 | 202 S MICHIGAN ST SUITE 1400 SOUTH BEND, IN 46601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $1K | $8K | 18.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II ST AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $581 | $581 | 1.25% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| GIBSON INSURANCE AGENCY, INC.3 | 202 S MICHIGAN ST SUITE 1400 SOUTH BEND, IN 46601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $843 | $3K | 13.40% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II ST AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $312 | $312 | 1.26% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $51 | $4K | 20.28% |
| GIBSON INSURANCE AGENCY, INC.3 | 202 S MICHIGAN ST SUITE 1400 SOUTH BEND, IN 46601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $172 | $1K | 6.94% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II ST AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $64 | $64 | 0.35% |
| GIBSON INSURANCE AGENCY, INC.3 | PO BOX 11107 FORT WAYNE, IN 468551107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $951 | — | $951 | 10.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| GIBSON INSURANCE AGENCY, INC.3 | 202 S MICHIGAN ST SUITE 1400 SOUTH BEND, IN 46601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $923 | $375 | $1K | 14.06% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II ST AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $143 | $143 | 1.55% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $30 | $2K | 20.36% |
| GIBSON INSURANCE AGENCY, INC.3 | 202 S MICHIGAN ST SUITE 1400 SOUTH BEND, IN 46601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $499 | $87 | $586 | 7.04% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II ST AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $32 | $32 | 0.38% |
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED STATES FIRE INSURANCE CO | 104 | $206K |
| Dental | PARAMOUNT DENTAL | 206 | $69K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 193 | $10K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 266 | $55K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 63 | $25K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 54 | $9K |
| Stop-loss / reinsurancereinsurance | UNITED STATES FIRE INSURANCE CO | 104 | $206K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 266 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.