| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL, INC. | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | AMERICA UNITED LIFE INSURANCE COMPANY | $15K | — | $15K | 15.00% |
| GREGORY & APPEL, INC.3 | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | DELTA DENTAL OF INDIANA | $3K | — | $3K | 4.34% |
| LON J SCIFERT3 | 7836 WEST MULBERRY ROAD JEFFERSON ROAD MULBERRY, IN 46058 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 5.90% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: 621 WELLS FARGO INSURANCE SERVICES | P.O. BOX 201503 DALLAS, TX 753203501 | TRANSAMERICA LIFE INSURANCE COMPANY | $203 | — | $203 | 1.08% |
| UNITED BENEFITS SYSTEMS & SOLUTIONS2 | 5325 SOUTH 79TH STREET LINCOLN, NE 68516 | TRANSAMERICA LIFE INSURANCE COMPANY | $189 | — | $189 | 1.00% |
| JAMES L. DRIESBACH3 | P.O. BOX 68945 INDIANAPOLIS, IN 46268 | TRANSAMERICA LIFE INSURANCE COMPANY | $21 | — | $21 | 0.11% |
| DW ENROLLMENT GROUP INC.3 | 9769 INNISBROOK BLVD. CARMEL, IN 46032 | TRANSAMERICA LIFE INSURANCE COMPANY | $6 | — | $6 | 0.03% |
| DRIESBACH FINANCIAL GROUP, INC.2 | 9001 NORTH WESLEYAN ROAD INDIANAPOLIS, IN 46268 | TRANSAMERICA LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
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 | 252 | 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) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | IU HEALTH PLANS, INC. | 317 | $1.8M |
| Dental | DELTA DENTAL OF INDIANA | 277 | $65K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 203 | $11K |
| Life insurance(2 contracts, 2 carriers) | AMERICA UNITED LIFE INSURANCE COMPANY | 243 | $119K |
| Short-term disability(2 contracts, 2 carriers) | AMERICA UNITED LIFE INSURANCE COMPANY | 243 | $119K |
| Long-term disability | AMERICA UNITED LIFE INSURANCE COMPANY | 243 | $100K |
| Other(2 contracts, 2 carriers) | AMERICA UNITED LIFE INSURANCE COMPANY | 243 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.