| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC. | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $97K | $6K | $103K | 2.12% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC. | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $69K | $6K | $75K | 1.72% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC. | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $6K | $19K | 0.59% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC. | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $45K | $6K | $51K | 2.27% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC. | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $32K | $6K | $38K | 2.38% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC. | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | $6K | $22K | 1.89% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC. | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $6K | $11K | 1.00% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC. | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | $6K | $25K | 2.62% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 341043608 | METROPOLITAN LIFE INSURANCE COMPANY | $76K | — | $76K | 8.76% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS LLC | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 341043608 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | — | $18K | 2.05% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC. | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | $6K | $21K | 2.80% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 341043608 | METROPOLITAN LIFE INSURANCE COMPANY | $56K | — | $56K | 9.00% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS LLC | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 341043608 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 1.94% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC. | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $6K | $17K | 3.11% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC. | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $2K | $9K | 2.65% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 341043608 | METROPOLITAN LIFE INSURANCE COMPANY | $41K | — | $41K | 14.22% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS LLC | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 341043608 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 3.58% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC. | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $2K | $7K | 3.24% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC. | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $2K | $5K | 3.24% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 341043608 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | — | $19K | 13.58% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS LLC | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 341043608 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 3.94% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC. | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $3K | $5K | 10.51% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 341043608 | METROPOLITAN LIFE INSURANCE COMPANY | $830 | — | $830 | 7.00% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS LLC | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 341043608 | METROPOLITAN LIFE INSURANCE COMPANY | $134 | — | $134 | 1.13% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC. | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $162 | $138 | $300 | 3.71% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 341043608 | METROPOLITAN LIFE INSURANCE COMPANY | $407 | — | $407 | 13.07% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS LLC | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 341043608 | METROPOLITAN LIFE INSURANCE COMPANY | $389 | — | $389 | 12.49% |
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 | 31,109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 103 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 31,212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 23,545 | $1.0M |
| Vision(4 contracts) | EYEMED VISION CARE | 45,779 | $3.7M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 23,401 | $5.6M |
| Short-term disability(7 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 7,777 | $10.8M |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 26,143 | $4.4M |
| Other(9 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 36,298 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 45,779 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.