| 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 | AMERICAN UNITED LIFE INSURANCE COMPANY | $14K | $4K | $18K | 19.20% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INSURANCE | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $33K | — | $33K | 49.10% |
| GREGORY & APPEL, INC.3 | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | DELTA DENTAL OF INDIANA | $3K | $188 | $3K | 5.16% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INSURANCE | 1402 NORTH CAPITOL AVENUE INDIANAPOLIS, IN 46202 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 11.00% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INSURANCE | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $4K | — | $4K | 74.27% |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | IU HEALTH PLANS, INC. | 238 | $1.6M |
| Dental | DELTA DENTAL OF INDIANA | 210 | $60K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 185 | $13K |
| Life insurance(3 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 267 | $168K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 195 | $95K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 195 | $95K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 267 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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.