| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL INSURANCE | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | STANDARD INSURANCE COMPANY | $7K | $383 | $8K | 10.55% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL INC. | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | AMERICAN UNITED LIFE INSURANCE COMPANY | $6K | $5K | $11K | 26.63% |
| LON J SCIFERT3 | 7836 WEST MULBERRY JEFFERSON ROAD MULBERRY, IN 46058 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 6.04% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: 621 WELLS FARGO INSURANCE SERVICES | P.O. BOX 201503 DALLAS, TX 753203501 | TRANSAMERICA LIFE INSURANCE COMPANY | $404 | — | $404 | 1.71% |
| UNITED BENEFITS SYSTEMS & SOLUTIONS3 | 5325 SOUTH 79TH STREET LINCOLN, NE 68516 | TRANSAMERICA LIFE INSURANCE COMPANY | $244 | — | $244 | 1.04% |
| JAMES L. DRIESBACH3 | P.O. BOX 68945 INDIANAPOLIS, IN 46268 | TRANSAMERICA LIFE INSURANCE COMPANY | $22 | — | $22 | 0.09% |
| DW ENROLLMENT GROUP INC.3 | 9769 INNISBROOK BLVD. CARMEL, IN 46032 | TRANSAMERICA LIFE INSURANCE COMPANY | $6 | — | $6 | 0.03% |
| DRIESBACH FINANCIAL GROUP, INC.3 | 9001 NORTH WESLEYAN ROAD INDIANAPOLIS, IN 46268 | TRANSAMERICA LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL INC. | 1402 NORTH CAPITOL SUITE 400 INDIANAPOLIS, IN 46202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $852 | $2K | 32.98% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL INC. | 1402 NORTH CAPITOL SUITE 400 INDIANAPOLIS, IN 46202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $736 | $2K | 33.00% |
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 | 255 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ADVANTAGE HEALTH SOLUTIONS, INC. | 361 | $1.8M |
| Dental | STANDARD INSURANCE COMPANY | 141 | $73K |
| Vision | ADVANTAGE HEALTH SOLUTIONS, INC. | 361 | $1.8M |
| Life insurance(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 255 | $72K |
| Short-term disability(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 255 | $71K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 255 | $42K |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 255 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 361 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.