| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIBSON INSURANCE AGENCY, INC.3 | 130 SOUTH MAIN STREET SUITE 400 SOUTH BEND, IN 46601 | DELTA DENTAL OF INDIANA | $91K | — | $91K | 3.12% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC. | P.O. BOX 11177 SOUTH BEND, IN 466340177 | METROPOLITAN LIFE INSURANCE COMPANY | $153K | $540 | $153K | 10.58% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC. | P.O. BOX 11177 SOUTH BEND, IN 466340177 | METROPOLITAN LIFE INSURANCE COMPANY | $157K | — | $157K | 11.66% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC. | P.O. BOX 11177 SOUTH BEND, IN 466340177 | METROPOLITAN LIFE INSURANCE COMPANY | $105K | — | $105K | 11.07% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $281K | $46K | $326K | 51.62% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC. | 333 EAST JEFFERSON STREET P.O. BOX 610 PLYMOUTH, IN 46563 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $106K | $10K | $117K | 18.47% |
| ROBERT CHRISTOPHER MORRIS3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38K | $2K | $40K | 6.38% |
| GIBSON INSURANCE AGENCY, INC.3 | 130 SOUTH MAIN STREET SUITE 400 SOUTH BEND, IN 46601 | DELTA DENTAL OF INDIANA | $18K | — | $18K | 2.96% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC. | P.O. BOX 11177 SOUTH BEND, IN 466340177 | METROPOLITAN LIFE INSURANCE COMPANY | $83K | — | $83K | 14.06% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $151K | $24K | $174K | 35.08% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC. | 333 EAST JEFFERSON STREET P.O. BOX 610 PLYMOUTH, IN 46563 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $65K | $6K | $71K | 14.31% |
| ROBERT CHRISTOPHER MORRIS3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $68 | $2K | 0.31% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $124K | $19K | $143K | 35.94% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC. | 333 EAST JEFFERSON STREET P.O. BOX 610 PLYMOUTH, IN 46563 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $55K | $5K | $60K | 14.96% |
| ROBERT CHRISTOPHER MORRIS3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $189 | $4K | 0.98% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $95K | $8K | $103K | 44.40% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC. | 333 EAST JEFFERSON STREET P.O. BOX 610 PLYMOUTH, IN 46563 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $41K | $2K | $43K | 18.59% |
| ROBERT CHRISTOPHER MORRIS3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $997 | $37 | $1K | 0.45% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $68K | $7K | $74K | 49.56% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC. | 333 EAST JEFFERSON STREET P.O. BOX 610 PLYMOUTH, IN 46563 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $30K | $2K | $32K | 21.12% |
| ROBERT CHRISTOPHER MORRIS3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $337 | $3K | 1.82% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $82K | $10K | $92K | 66.57% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC. | 333 EAST JEFFERSON STREET P.O. BOX 610 PLYMOUTH, IN 46563 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $31K | $2K | $33K | 24.14% |
| ROBERT CHRISTOPHER MORRIS3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $448 | $12K | 8.42% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 52.42% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC. | 333 EAST JEFFERSON STREET P.O. BOX 610 PLYMOUTH, IN 46563 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $362 | $4K | 20.96% |
| GIBSON INSURANCE AGENCY, INC.3 | 130 SOUTH MAIN STREET SUITE 400 SOUTH BEND, IN 46634 | ZURICH AMERICAN INSURANCE COMPANY | $920 | — | $920 | 14.99% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | -$362 | $3K | 55.07% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC. | 333 EAST JEFFERSON STREET P.O. BOX 610 PLYMOUTH, IN 46563 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | -$9 | $1K | 26.54% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC. | P.O. BOX 11177 SOUTH BEND, IN 466340177 | METROPOLITAN LIFE INSURANCE COMPANY | $266 | — | $266 | 15.02% |
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 | 15,236 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 63 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts) | DELTA DENTAL OF INDIANA | 14,261 | $4.7M |
| Vision(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 9,715 | $4.3M |
| Life insurance(8 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,715 | $4.9M |
| Short-term disability(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 9,715 | $4.3M |
| Long-term disability(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 9,715 | $4.3M |
| Other(10 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,715 | $5.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,261 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.