| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY & APPEL, INC.3 | 433 NORTH CAPITOL AVENUE, SUITE 400 INDIANAPOLIS, IN 46204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $16K | $0 | $16K | 3.68% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | $0 | $4K | 0.84% |
| GREGORY & APPEL, INC.3 | 433 NORTH CAPITOL AVENUE, SUITE 400 INDIANAPOLIS, IN 46204 | HUMANA INSURANCE COMPANY | $6K | $0 | $6K | 1.89% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4823 OLD KINGSTON PIKE, SUITE 300 KNOXVILLE, TN 37919 | HUMANA INSURANCE COMPANY | $2K | $0 | $2K | 0.61% |
| GREGORY & APPEL, INC.3 | 1402 NORTH CAPITOL, SUITE 400 INDIANAPOLIS, IN 46202 | HUMANA INSURANCE COMPANY | $634 | $0 | $634 | 0.22% |
| RONALD K. RICH3 | 24 ALLENDALE TERRE HAUTE, IN 47802 | AMERICAN UNITED LIFE INSURANCE COMPANY | $17K | $0 | $17K | 7.50% |
| GREGORY & APPEL, INC.3 | 433 NORTH CAPITOL AVENUE, SUITE 400 INDIANAPOLIS, IN 46204 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $9K | $0 | $9K | 11.83% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP | 246 EAST 11TH STREET, SUITE 302 CHATTANOOGA, TN 37402 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $9K | $0 | $9K | 11.83% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $280 | $0 | $280 | 7.00% |
| RONALD K. RICH3 | 24 ALLENDALE TERRE HAUTE, IN 47802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $120 | $0 | $120 | 3.00% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS, LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA LIFE INSURANCE COMPANY | $447 | $0 | $447 | 11.78% |
| GREGORY & APPEL, INC.3 | 433 NORTH CAPITOL AVENUE, SUITE 400 INDIANAPOLIS, IN 46204 | TRANSAMERICA LIFE INSURANCE COMPANY | $223 | $0 | $223 | 5.87% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS, LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | ELIXIR | $83 | $0 | $83 | 4.03% |
| GREGORY & APPEL, INC.3 | 433 NORTH CAPITOL AVENUE, SUITE 400 INDIANAPOLIS, IN 46204 | ELIXIR | $66 | $0 | $66 | 3.21% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $33 | $0 | $33 | 1.78% |
| RONALD K. RICH3 | 24 ALLENDALE TERRE HAUTE, IN 47802 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.75% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS, LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | COMPANION LIFE INSURANCE COMPANY - COLUMBIA | $87 | $0 | $87 | 11.66% |
| GREGORY & APPEL, INC.3 | 433 NORTH CAPITOL AVENUE, SUITE 400 INDIANAPOLIS, IN 46204 | COMPANION LIFE INSURANCE COMPANY - COLUMBIA | $25 | $0 | $25 | 3.35% |
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 | 939 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 952 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 74 | $299K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 688 | $448K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,209 | $76K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 939 | $235K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 939 | $233K |
| Prescription drug(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 74 | $297K |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 939 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,209 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.