| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL AVE STE 400 INDIANAPOLIS, IN 46202 | AMERICAN UNITED LIFE INSURANCE CO | $11K | $4K | $14K | 11.77% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL AVE STE 400 INDIANAPOLIS, IN 46202 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.57% |
| JEANNE K SHAWHAN3 Filed as: JEANNE K. SHAWHAN | 7909 BOSINNEY CR. INDIANAPOLIS, IN 46256 | TRUSTMARK INSURANCE COMPANY | $1K | $0 | $1K | 5.95% |
| SCOTT INSURANCE3 Filed as: THE SCOTT GROUP | 8320 ALLISON POINTE BLVD CASTLETON, IN 46250 | TRUSTMARK INSURANCE COMPANY | $502 | $0 | $502 | 2.68% |
| FRED J. SCOTT3 Filed as: FRED J SCOTT | 3820 CIRCLE DRIVE INDIANAPOLIS, IN 46220 | TRUSTMARK INSURANCE COMPANY | $452 | $0 | $452 | 2.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NORTH AMERICA ADMINISTRATORS EIN 37-1119785 NONE | Contract Administrator Service code 13 | 1826 ELM HILL PIKE NASHVILLE, TN 37210 | $82K |
| SOMERSET CPAS, P.C. EIN 20-1717681 NONE | Accounting (including auditing) Service code 10 | 3925 RIVER CROSSING PARKWAY STE 300 INDIANAPOLIS, IN 46240 | $11K |
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 | 411 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 411 | $28K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE CO | 311 | $140K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE CO | 311 | $121K |
| Other | AMERICAN UNITED LIFE INSURANCE CO | 311 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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.