| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 W 47TH STREET SUITE 900 KANSAD CITY, MO 64112 | DELTA DENTAL OF INDIANA | $40K | — | $40K | 1.54% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC. | 130 SOUTH MAIN STREET SUITE 400 SOUTH BEND, IN 46601 | DELTA DENTAL OF INDIANA | $37K | — | $37K | 1.40% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 843844 KANSAS CITY, MO 641843844 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $61K | $4K | $64K | 11.27% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INS AGENCY INC. | 130 S. MAIN ST, #400 SOUTH BEND, IN 46601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | — | $25K | 4.39% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $56K | $10K | $66K | 11.72% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF INDIANA | $9K | — | $9K | 1.93% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INS AGENCY INC | 130 S. MAIN ST, SUITE 400 SOUTH BEND, IN 46601 | DELTA DENTAL OF INDIANA | $7K | — | $7K | 1.61% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC. | P.O. BOX 11177 SOUTH BEND, IN 466340177 | VISION SERVICE PLAN | $10K | — | $10K | 2.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 843844 KANSAS CITY, MO 641843844 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 2.04% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INS AGENCY INC. | 130 S. MAIN ST, #400 SOUTH BEND, IN 46601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $711 | — | $711 | 0.20% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 843844 KANSAS CITY, MO 641843844 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | $2K | $30K | 11.10% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INS AGENCY | 130 S. MAIN ST, #400 SOUTH BEND, IN 46601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 4.49% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 843844 KANSAS CITY, MO 641843844 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $1K | $15K | 10.83% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | 130 SOUTH MAIN STREET SUITE 400 SOUTH BEND, IN 46601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 4.95% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 843844 KANSAS CITY, MO 641843844 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $486 | $6K | 5.74% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INS. AGENCY INC. | 130 S. MAIN ST, #400 SOUTH BEND, IN 46601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.76% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $1K | $20K | 26.88% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 843844 KANSAS CITY, MO 641843844 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $338 | $7K | 10.13% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC. | 130 S MAIN STREET, #400 SOUTH BEND, IN 46601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.33% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 843844 KANSAS CITY, MO 641843844 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $329 | $6K | 10.30% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INS AGENCY INC. | 130 S. MAIN STREET, #400 SOUTH BEND, IN 46601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.24% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | P.O. BOX 843844 KANSAS CITY, MO 641843844 | COMBINED INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.69% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | P.O. BOX 11177 SOUTH BEND, IN 46634 | COMBINED INSURANCE COMPANY OF AMERICA | $760 | — | $760 | 1.24% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | P.O. BOX 843844 KANSAS CITY, MO 641843844 | COMBINED INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.45% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INS AGENCY | P.O. BOX 11177 SOUTH BEND, IN 46634 | COMBINED INSURANCE COMPANY OF AMERICA | $562 | — | $562 | 0.93% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 843844 KANSAS CITY, MO 641843844 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $267 | $3K | 6.39% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INS AGENCY INC. | 130 S. MAIN ST, #400 SOUTH BEND, IN 46601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.31% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC. | P.O. BOX 843844 KANSAS CITY, MO 641843844 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $336 | $2K | 4.24% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | 130 S. MAIN ST, #400 SOUTH BEND, IN 46601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.12% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | P.O. BOX 843844 KANSAS CITY, MO 641843844 | COMBINED INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.48% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INS. AGENCY INC. | P.O. BOX 11177 SOUTH BEND, IN 46634 | COMBINED INSURANCE COMPANY OF AMERICA | $644 | — | $644 | 1.59% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 843844 KANSAS CITY, MO 641843844 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $195 | $2K | 5.61% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INS AGENCY INC. | 130 S. MAIN ST, #400 SOUTH BEND, IN 46601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.61% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | P.O. BOX 843844 KANSAS CITY, MO 641843844 | COMBINED INSURANCE COMPANY OF AMERICA | $764 | — | $764 | 2.97% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | P.O. BOX 11177 SOUTH BEND, IN 46634 | COMBINED INSURANCE COMPANY OF AMERICA | $475 | — | $475 | 1.84% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | P.O. BOX 843844 KANSAS CITY, MO 641843844 | COMBINED INSURANCE COMPANY OF AMERICA | $310 | — | $310 | 4.06% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INS AGENCY INC. | P.O. BOX 11177 SOUTH BEND, IN 46634 | COMBINED INSURANCE COMPANY OF AMERICA | $125 | — | $125 | 1.64% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ZURICH AMERICAN INSURANCE COMPANY | $691 | — | $691 | 9.72% |
| GIBSON INSURANCE AGENCY, INC.3 | P.O. BOX 610 PLYMOUTH, IN 46563 | ZURICH AMERICAN INSURANCE COMPANY | $376 | — | $376 | 5.29% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | P.O. BOX 843844 KANSAS CITY, MO 641843844 | COMBINED INSURANCE COMPANY OF AMERICA | $222 | — | $222 | 4.52% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INS AGENCY | P.O.BOX 11177 SOUTH BEND, IN 46634 | COMBINED INSURANCE COMPANY OF AMERICA | $83 | — | $83 | 1.69% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | P.O. BOX 843844 KANSAS CITY, MO 641843844 | COMBINED INSURANCE COMPANY OF AMERICA | $119 | — | $119 | 2.76% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INS AGENCY | P.O. BOX 11177 SOUTH BEND, IN 46634 | COMBINED INSURANCE COMPANY OF AMERICA | $49 | — | $49 | 1.13% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | HARTFORD LIFE AND ACCIDENT | $266 | $58 | $324 | 18.27% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | P.O. BOX 843844 KANSAS CITY, MO 641843844 | COMBINED INSURANCE COMPANY OF AMERICA | $3 | — | $3 | 4.35% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | P.O. BOX 11177 SOUTH BEND, IN 46634 | COMBINED INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 1.45% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE COMPANY | P.O. BOX 11177 SOUTH BEND, IN 46634 | ANTHEM INSURANCE COMPANIES, INC. | $9K | — | $9K | — |
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 | 4,546 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,568 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 0 | $0 |
| Dental(2 contracts) | DELTA DENTAL OF INDIANA | 11,282 | $3.1M |
| Vision(9 contracts, 2 carriers) | VISION SERVICE PLAN | 2,298 | $616K |
| Life insurance(6 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,546 | $1.3M |
| Short-term disability(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,239 | $674K |
| Long-term disability(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 627 | $374K |
| Other(6 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,546 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,282 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.