| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL STE 400 INDIANAPOLIS, IN 46202 | SYMETRA LIFE INSURANCE COMPANY | $0 | $10K | $10K | 3.47% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID AMERICA INSURANCE SERVICES | 7415 W 130TH ST STE 200 OVERLAND PARK, KS 66213 | SYMETRA LIFE INSURANCE COMPANY | $0 | $10K | $10K | 3.46% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 2734 N MILDRED AVE #3 CHICAGO, IL 60614 | SYMETRA LIFE INSURANCE COMPANY | $0 | $491 | $491 | 0.17% |
| NATIONAL BENEFITS CENTER LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | SYMETRA LIFE INSURANCE COMPANY | $0 | $439 | $439 | 0.16% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DR, PO BOX 527 FARMINGTON, CT 06034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 5.92% |
| ENROLLEASE3 Filed as: FIRST PERSON INC | 9000 KEYSTONE XING, STE 910 INDIANAPOLIS, IN 46240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $479 | $0 | $479 | 1.48% |
| MCKELVEY, PHILIP, NEILL3 Filed as: MCKELVEY, PHILIP, N | 3931 S DIXIE DR DAYTON, OH 45439 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $548 | $0 | $548 | 1.73% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DR, PO BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $540 | $0 | $540 | 1.70% |
| ENROLLEASE3 Filed as: FIRST PERSON INC | 9000 KEYSTONE XING, STE 910 INDIANAPOLIS, IN 46240 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $419 | $0 | $419 | 1.32% |
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 | 481 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 488 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,107 | $315K |
| Short-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,107 | $315K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,107 | $283K |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,107 | $347K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,107 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.