| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY & APPEL, INC.3 | 1402 N CAPITOL AVE, STE 400 INDIANAPOLIS, IN 46202 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 7.47% |
| GREGORY & APPEL, INC. Filed as: GREGORY & APPEL INC | 1402 N CAPITOL AVE STE 400 INDIANAPOLIS, IN 46202 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 1087 WAUSAU, WI 544021087 | $117K |
| GREGORY & APPEL INC EIN 35-0353300 BROKER | Other commissions Service code 55 | 1402 N CAPITOL AVE STE 400 INDIANAPOLIS, IN 46202 | $42K |
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 | 161 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HEALTH RESOURCES, INC. | 360 | $6K |
| Vision | VISION SERVICE PLAN | 116 | $20K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 353 | $46K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 353 | $46K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE CORPORATION | 161 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.