| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY & APPEL, INC. Filed as: GREGORY & APPEL INC | 1402 N CAPITAL AVE STE 400 INDIANAPOLIS, IN 46202 | ANTHEM INSURANCE COMPANY INC | $28K | $0 | $28K | 1.54% |
| MEDLINK INC | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | ANTHEM INSURANCE COMPANY INC | $6K | $0 | $6K | 0.32% |
| AMERICAN HEALTH NETWORK | 2920 EAST 96TH STREET STE C INDIANAPOLIS, IN 46240 | ANTHEM INSURANCE COMPANY INC | $20 | $0 | $20 | 0.00% |
| GREGORY & APPEL, INC. Filed as: GREGORY & APPEL | 1402 N CAPITAL AVE STE 400 SUITE 400 INDIANAPOLIS, IN 46202 | GUARDIAN INSURANCE COMPANY | $14K | — | $14K | 4.95% |
| AARON VANPELT INC | ONE EAST CARMEL DRIVE SUITE 250 CARMEL, IN 46032 | GUARDIAN INSURANCE COMPANY | $2K | — | $2K | 0.85% |
| GREGORY & APPEL, INC. Filed as: GREGORY & APPEL INC | 1402 N CAPITAL AVE STE 400 SUITE 400 INDIANAPOLIS, IN 46202 | ANTHEM LIFE INSURANCE COMPANY | $3K | — | $3K | 9.21% |
| MEDLINK INC | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | ANTHEM LIFE INSURANCE COMPANY | $195 | — | $195 | 0.60% |
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 | 144 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANY INC | 144 | $1.8M |
| Dental | GUARDIAN INSURANCE COMPANY | 189 | $280K |
| Vision | GUARDIAN INSURANCE COMPANY | 189 | $280K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN INSURANCE COMPANY | 195 | $312K |
| Short-term disability(2 contracts, 2 carriers) | ANTHEM INSURANCE COMPANY INC | 189 | $2.1M |
| Long-term disability(2 contracts, 2 carriers) | ANTHEM INSURANCE COMPANY INC | 189 | $2.1M |
| Prescription drug | ANTHEM INSURANCE COMPANY INC | 144 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.