| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL | 1402 N CAPITOL AVE STE 400 INDIANAPOLIS, IN 46202 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $486 | $2K | 5.52% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL | 1402 N. CAPITOL AVE STE 400 INDIANAPOLIS, IN 46202 | FIDELITY SECURITY LIFE INSURANCE CO. | $2K | — | $2K | 10.05% |
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 | 236 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS | 436 | $132K |
| Vision | FIDELITY SECURITY LIFE INSURANCE CO. | 369 | $20K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 555 | $44K |
| Other(2 contracts, 2 carriers) | AMERITAS | 555 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 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."
No prospect flags tripped on this filing.