| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL INSURANCE | 1402 N. CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | ANTHEM INSURANCE COMPANIES, INC. | $39K | — | $39K | 2.85% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL, INC. | 1402 N. CAPITOL AVE. SUITE 400 INDIANAPOLIS, IN 462022375 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $8K | 7.22% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL INSURANCE | 1402 N. CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | STANDARD INSURANCE COMPANY | $2K | $258 | $2K | 8.08% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | STANDARD INSURANCE COMPANY | — | $645 | $645 | 2.09% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL INSURANCE | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | STANDARD INSURANCE COMPANY | $3K | $234 | $4K | 12.22% |
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 | 194 | 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) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 270 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 376 | $104K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 376 | $104K |
| Life insurance | STANDARD INSURANCE COMPANY | 194 | $31K |
| Long-term disability | STANDARD INSURANCE COMPANY | 164 | $29K |
| Prescription drug | ANTHEM INSURANCE COMPANIES, INC. | 270 | $1.4M |
| Other | STANDARD INSURANCE COMPANY | 194 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.