| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC. | 1402 N. CAPITOL AVENUE, SUITE 400 INDIANAPOLIS, IN 462022316 | AMERITAS | $11K | — | $11K | 9.20% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL | 1402 N CAPITOL AVENUE, STE 400 INDIANAPOLIS, IN 462022316 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $69 | $2K | 5.41% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL | 1402 N. CAPITOL AVENUE, STE 400 INDIANAPOLIS, IN 462022316 | FIDELITY SECURITY LIFE INSURANCE CO. | $2K | — | $2K | 8.03% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 319 WEST OAK STREET DENTON, TX 76201 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 8.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 8081 KINGSTON PIKE, SUITE 50 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INSURANCE | 1402 N. CAPITOL AVENUE, STE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 11.16% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W. 47TH STREET, SUITE 600 KANSAS CITY, MO 641121919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 8.84% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 8081 KINGSTON PIKE, SUITE 50 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INSURANCE | 1402 N. CAPITOL AVENUE, STE #400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.83% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET, STE 600 KANSAS CITY, MO 641121919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 9.17% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL | 1402 NORTH CAPITOL AVE., SUITE 400 INDIANAPOLIS, IN 46202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 48.98% |
| CHRISTOPHER A. BUSSEY3 | 303 WEST OHIO STREET, APT. 3804 CHICAGO, IL 60654 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 19.59% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 6830 COCHRAN ROAD SOLON, OH 44139 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $528 | $528 | 5.88% |
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 | 229 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS | 447 | $116K |
| Vision | FIDELITY SECURITY LIFE INSURANCE CO. | 354 | $27K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 595 | $46K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 53 | $31K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 45 | $27K |
| Other(3 contracts, 3 carriers) | AMERITAS | 595 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 595 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.