| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INSURANCE | 1402 N CAPITOL SUITE 400 INDIANAPOLIS, IN 46202 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 1.22% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 4.70% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INSURANCE | 1402 N CAPITOL SUITE 400 INDIANAPOLIS, IN 46202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 2.85% |
| ENROLLEASE3 Filed as: FIRST PERSON INC | 9000 KEYSTONE XING SUITE 910 INDIANAPOLIS, IN 46240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $881 | $0 | $881 | 1.17% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.83% |
| MCKELVEY, PHILIP, NEILL3 | 3931 S DIXIE DR DAYTON, OH 45439 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $896 | $0 | $896 | 1.56% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC. | 9000 KEYSTONE CROSSING SUITE 910 INDIANAPOLIS, IN 46240 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $729 | $0 | $729 | 1.27% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY BLDG 2 SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $302 | $302 | 0.53% |
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 | 454 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 457 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 705 | $499K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 705 | $499K |
| Long-term disability | STANDARD INSURANCE COMPANY | 705 | $441K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 705 | $574K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 705 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.