| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL, INC. | 1402 N CAPITOL, STE 400 INDIANAPOLIS, IN 462022375 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $11K | $22K | 10.30% |
| GREGORY & APPEL, INC.3 | 1402 N CAPITOL AVE STE 400 INDIANAPOLIS, IN 462022375 | VISION SERVICE PLAN | $4K | — | $4K | 2.03% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL, INC. | 1402 N. CAPITOL, STE 400 INDIANAPOLIS, IN 462022375 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $3K | $7K | 10.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MAGELLAN RX MANAGEMENT INC. EIN 46-3708039 CONTRACT | Direct payment from the plan; Claims processing; Other fees Service code 12 | — | $1.3M |
| PARTNERS RX MANAGEMENT LLC EIN 86-1042036 CONTRACT | Direct payment from the plan; Other fees; Claims processing Service code 12 | — | $797K |
| WEBTPA EMPLOYER SERVICES, INC. EIN 75-2611444 CONTRACT | Claims processing; Contract Administrator Service code 12 | — | $301K |
| PATOKA VALLEY EIN 35-1922246 CONTRACT | Claims processing; Other fees Service code 12 | — | $81K |
| GREGORY & APPEL INSURANCE EIN 35-0353300 CONTRACT | Insurance agents and brokers Service code 22 | — | $46K |
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 | 1,126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,136 | $196K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,198 | $67K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,009 | $211K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,198 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,198 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.