| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC. | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | ANTHEM INSURANCE COMPANIES, INC. | — | $1 | $1 | 0.00% |
| GREGORY & APPEL, INC.3 | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 462022375 | DELTA DENTAL OF INDIANA | $990 | — | $990 | 0.30% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC. | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | ANTHEM INSURANCE COMPANIES, INC. | — | $74 | $74 | 0.08% |
| SUSAN MARIE BARD3 Filed as: SUSAN BARD | 7219 DERSTAN ROAD INDIANAPOLIS, IN 46250 | AFLAC | $13K | — | $13K | 32.21% |
| BRIANNA LYNN ROWE3 Filed as: BRIANNA ROWE | 3386 CHALICE COURT PLAINFIELD, IN 46168 | AFLAC | $5K | — | $5K | 11.30% |
| JOHN J HINDS3 Filed as: JOHN HINDS | 12 HONEYSUCKLE LANE GOFFSTOWN, NH 03045 | AFLAC | $1K | — | $1K | 3.37% |
| DAVID W SCOTT3 Filed as: DAVID SCOTT | 131 EAST EXCHANGE AVENUE SUITE 128 FORT WORTH, TX 76164 | AFLAC | $528 | — | $528 | 1.29% |
| CHARLES LAWSON3 | 1919 EASTSIDE LAKE ROAD GRAHAM, TX 76450 | AFLAC | $278 | — | $278 | 0.68% |
| KEVIN DELANEY3 | 2 SWAN TERRACE GREENLAND, NH 03840 | AFLAC | $261 | — | $261 | 0.64% |
| JONATHAN BURGESS3 | 434 DONALD STREET BEDFORD, NH 03110 | AFLAC | $185 | — | $185 | 0.45% |
| MARY CATHERINE WILLIAMS3 Filed as: MARY WILLIAMS | 1102 STEVENS STREET BRIDGEPORT, TX 76426 | AFLAC | $102 | — | $102 | 0.25% |
| JOSEPH HUGHES3 | 1347 HILLANDALE AVENUE UNIT D LA HABRA, CA 90631 | AFLAC | $99 | — | $99 | 0.24% |
| CYNTHIA LUQUIN3 | 2220 EAST ROUTE 66 SUITE 215 GLENDORA, CA 91740 | AFLAC | $20 | — | $20 | 0.05% |
| DAVID REESOR3 | 2220 EAST ROUTE 66 SUITE 215 GLENDORA, CA 91740 | AFLAC | $14 | — | $14 | 0.03% |
| GETTYSBURG BENEFITS ADMINISTRATION3 | P.O. BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $406 | — | $406 | 5.64% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 452632886 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $190 | — | $190 | 2.64% |
| PARTNERS INSURED SERVICES3 | 456 MONTGOMERY STREET SUITE 1200 SAN FRANCISCO, CA 94104 | FEDERAL INSURANCE COMPANY | $188 | — | $188 | 15.04% |
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 | 359 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | ANTHEM INSURANCE COMPANIES, INC. | 694 | $3.6M |
| Dental | DELTA DENTAL OF INDIANA | 724 | $331K |
| Vision | VISION SERVICE PLAN | 326 | $61K |
| Life insurance | STANDARD INSURANCE COMPANY | 359 | $118K |
| Short-term disability | STANDARD INSURANCE COMPANY | 260 | $66K |
| Long-term disability | STANDARD INSURANCE COMPANY | 359 | $48K |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 359 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 724 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.