| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL INC | 1402 NORTH CAPITOL, SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $98K | $73K | $171K | 3.48% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $61K | $61K | 1.24% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL INC | 1402 NORTH CAPITOL, SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $67K | $64K | $131K | 3.03% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $55K | $55K | 1.26% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL INC | 1402 NORTH CAPITOL, SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $48K | $57K | 1.78% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $41K | $41K | 1.29% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL INC | 1402 NORTH CAPITOL, SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $46K | $34K | $80K | 3.50% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $28K | $28K | 1.24% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL INC | 1402 NORTH CAPITOL, SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $31K | $23K | $55K | 3.50% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $20K | $20K | 1.27% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL INC | 1402 NORTH CAPITOL, SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | $17K | $33K | 2.83% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $15K | $15K | 1.26% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL INC | 1402 NORTH CAPITOL, SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $16K | $20K | 1.84% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $14K | $14K | 1.27% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL INC | 1402 NORTH CAPITOL, SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | $14K | $32K | 3.50% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $12K | $12K | 1.33% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL INC | 1402 NORTH CAPITOL, SUITE 400 INDIANAPOLIS, IN 46202 | METROPOLITAN LIFE INSURANCE COMPANY | $79K | — | $79K | 9.10% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVENUE, SUITE 304 NAPLES, FL 34104 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $26K | $37K | 4.22% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL INC | 1402 NORTH CAPITOL, SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | $11K | $26K | 3.50% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $9K | $9K | 1.28% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL INC | 1402 NORTH CAPITOL, SUITE 400 INDIANAPOLIS, IN 46202 | METROPOLITAN LIFE INSURANCE COMPANY | $57K | — | $57K | 9.15% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL INC | 1402 NORTH CAPITOL, SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 2.00% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $7K | $7K | 1.23% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL INC | 1402 NORTH CAPITOL, SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $5K | $11K | 3.49% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 1.24% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL INC | 1402 NORTH CAPITOL, SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 2.00% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 1.25% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVENUE, SUITE 304 NAPLES, FL 34104 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $4K | $36K | 23.95% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL INC | 1402 NORTH CAPITOL, SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 2.00% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 1.26% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL INC | 1402 NORTH CAPITOL, SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $869 | — | $869 | 2.00% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $541 | $541 | 1.25% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVENUE, SUITE 304 NAPLES, FL 34104 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $508 | $2K | 12.28% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL INC | 1402 NORTH CAPITOL, SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $154 | $110 | $264 | 4.71% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $101 | $101 | 1.80% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVENUE, SUITE 304 NAPLES, FL 34104 | METROPOLITAN LIFE INSURANCE COMPANY | $495 | $74 | $569 | 19.22% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVENUE, SUITE 304 NAPLES, FL 34104 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $19K | $26K | — |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVENUE, SUITE 304 NAPLES, FL 34104 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $8K | $21K | — |
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 | 28,681 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 224 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,311 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 30,216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(3 contracts) | EYEMED VISION CARE | 47,304 | $3.5M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 23,926 | $5.5M |
| Short-term disability(7 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 8,984 | $10.7M |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 28,114 | $4.3M |
| Other(13 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 22,436 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 47,304 | — |
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."
No prospect flags tripped on this filing.