| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC. | 202 SOUTH MICHIGAN STREET SUITE 1400 SOUTH BEND, IN 46601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $86K | $6K | $92K | 7.97% |
| WORKPLACE SOLUTIONS, INC.3 | 120-A GILLS CREEK PARKWAY COLUMUS, SC 29209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | $4K | $29K | 19.04% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC. | PO BOX 610 PLYMOUTH, IN 46563 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $596 | $10K | 6.33% |
| DAVID BEAU BOUDREAUX3 | 120 GILLS CREEK PARKWAY COLUMBIA, SC 29209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.11% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC. | 202 SOUTH MICHIGAN STREET SUITE 1400 SOUTH BEND, IN 46601 | VISION SERVICE PLAN | $11K | $0 | $11K | 9.93% |
| WORKPLACE SOLUTIONS, INC.3 | 120-A GILLS CREEK PARKWAY COLUMUS, SC 29209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $1K | $14K | 23.04% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC. | PO BOX 610 PLYMOUTH, IN 46563 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $237 | $5K | 7.71% |
| DAVID BEAU BOUDREAUX3 | 120 GILLS CREEK PARKWAY COLUMBIA, SC 29209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $755 | $0 | $755 | 1.27% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $175 | $175 | 0.30% |
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 | 1,685 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,699 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $0 |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,807 | $1.2M |
| Vision | VISION SERVICE PLAN | 859 | $108K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,807 | $1.2M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,807 | $1.2M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,807 | $1.2M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,807 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,807 | — |
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.