| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL INSURANCE | 1402 NORTH CAPITOL, SUITE 400 INDIANAPOLIS, IN 46202 | STANDARD INSURANCE COMPANY | $9K | $0 | $9K | 10.05% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL INSURANCE | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 2.44% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER, LLC | 23825 COMMECE PARK BEACHWOOD, OH 44122 | STANDARD INSURANCE COMPANY | $0 | $891 | $891 | 0.99% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL INSURANCE | 1402 NORTH CAPITOL, SUITE 400 INDIANAPOLIS, IN 46202 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 10.24% |
| NATIONAL BENEFITS GROUP OF AMERICA3 Filed as: NATIONAL BENEFITS GROUP AMERICA | 3102 WEST WATERS AVENUE, SUITE 103 TAMPA, FL 33614 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 9.89% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL INSURANCE | 1402 NORTH CAPITOL, SUITE 400 INDIANAPOLIS, IN 46202 | DELTA DENTAL OF INDIANA | $2K | $0 | $2K | 4.71% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL INSURANCE | 1402 NORTH CAPITOL AVENUE INDIANAPOLIS, IN 46202 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE | $927 | $0 | $927 | 9.24% |
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 | 53 | 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) | 53 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | IU HEALTH PLANS, INC. | 190 | $917K |
| Dental | DELTA DENTAL OF INDIANA | 172 | $48K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE | 159 | $10K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 232 | $166K |
| Short-term disability | STANDARD INSURANCE COMPANY | 152 | $90K |
| Long-term disability | STANDARD INSURANCE COMPANY | 152 | $90K |
| Prescription drug | IU HEALTH PLANS, INC. | 190 | $917K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 232 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.