| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIBSON INSURANCE AGENCY, INC.3 | 202 SOUTH MICHIGAN STREET SUITE 1400 SOUTH BEND, IN 46601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $153K | $64K | $218K | 7.95% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $30K | $30K | 1.09% |
| WPS ASSOCIATES, INC.3 | 120-A GILLS CREEK PARKWAY COLUMBIA, SC 29209 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | $0 | $12K | 9.26% |
| GIBSON INSURANCE AGENCY, INC.3 | 130 SOUTH MAIN STREET, SUITE 400 SOUTH BEND, IN 46601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 4.29% |
| BEAU DAVID BOUDREAUX3 Filed as: BEAU BOURDREAUX | 120-A GILLS CREEK PARKWAY COLUMBIA, SC 29209 | CONTINENTAL AMERICAN INSURANCE COMPANY | $909 | $0 | $909 | 0.73% |
| SCOTT P. SOLOMON3 | 532 WEST 114TH STREET APARTMENT 4A NEW YORK, NY 10025 | CONTINENTAL AMERICAN INSURANCE COMPANY | $151 | $0 | $151 | 0.12% |
| GIBSON INSURANCE AGENCY, INC.3 | PO BOX 11107 FORT WAYNE, IN 46855 | VISION SERVICE PLAN | $10K | $0 | $10K | 8.41% |
| GIBSON INSURANCE AGENCY, INC.3 | 130 SOUTH MAIN STREET, SUITE 400 SOUTH BEND, IN 46634 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $970 | $0 | $970 | 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 | 1,555 | 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) | 1,555 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $10K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,555 | $2.7M |
| Vision | VISION SERVICE PLAN | 1,018 | $121K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,555 | $2.9M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,555 | $2.7M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,555 | $2.7M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,555 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,555 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.