| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL, INC. | 1402 NORTH CAPITAL, SUITE 400 INDIANAPOLIS, IN 46202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $3K | $10K | 2.92% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DRIVE, SUITE 350 BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.59% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL, INC. | 433 NORTH CAPITOL AVENUE, SUITE 400 INDIANAPOLIS, IN 46204 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 2.77% |
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 | 257 | 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) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 550 | $249K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 550 | $249K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 550 | $249K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 257 | $338K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 257 | $338K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 257 | $338K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 550 | $249K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 257 | $338K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 550 | — |
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."
No prospect flags tripped on this filing.