| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY & APPEL, INC.3 | 433 NORTH CAPITOL, SUITE 400 SUITE 400 INDIANAPOLIS, IN 46204 | ANTHEM INSURANCES COMPANIES, INC. | $32K | $0 | $32K | 3.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | ANTHEM INSURANCES COMPANIES, INC. | $3K | $0 | $3K | 0.30% |
| GREGORY & APPEL, INC.3 | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $2K | $13K | 13.72% |
| SAMARITAN ALLIANCE, LLC3 | 1500 AMERICAN WAY, SUITE 110 GREENWOOD, IN 46143 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.25% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $944 | $0 | $944 | 1.03% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $904 | $904 | 0.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 EAST CARMEL DRIVE, SUITE 400 CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $257 | $0 | $257 | 0.28% |
| GREGORY & APPEL, INC.3 | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | AMERITAS LIFE INSURANCE CORPORATION | $3K | $0 | $3K | 7.10% |
| GREGORY & APPEL, INC.3 | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 23.66% |
| AHA FINANCIAL SOLUTIONS, INC.3 | 155 NORTH WACKER DRIVE, SUITE 400 CHICAGO, IL 60606 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $12 | $0 | $12 | 0.14% |
| GREGORY & APPEL, INC.3 | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $81 | $2K | 28.51% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $25 | $25 | 0.33% |
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 | 183 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM INSURANCES COMPANIES, INC. | 125 | $979K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 125 | $41K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 125 | $41K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 183 | $100K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 183 | $91K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 183 | $91K |
| Prescription drug | ANTHEM INSURANCES COMPANIES, INC. | 60 | $938K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 183 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.