| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL AVE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $86K | $128K | $214K | 4.97% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $61K | $61K | 1.42% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL AVE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $61K | $116K | $177K | 4.52% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $54K | $54K | 1.38% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL AVE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $87K | $95K | 3.25% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $40K | $40K | 1.36% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL AVE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $40K | $59K | $99K | 4.97% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $28K | $28K | 1.43% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL AVE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $25K | $36K | $61K | 4.97% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $20K | $20K | 1.59% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL AVE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | $31K | $46K | 4.31% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $15K | $15K | 1.39% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL AVE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $29K | $32K | 3.30% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $13K | $13K | 1.38% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL | 1402 N CAPITOL AVE STE 400 INDIANAPOLIS, IN 46202 | METROPOLITAN LIFE INSURANCE COMPANY | $90K | $15K | $105K | 10.81% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS LLC | 3606 ENTERPRISE AVE #304 NAPLES, FL 34104 | METROPOLITAN LIFE INSURANCE COMPANY | $454 | — | $454 | 0.05% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL AVE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | $22K | $38K | 4.97% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $11K | $11K | 1.49% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL | 1402 N CAPITOL AVE STE 400 INDIANAPOLIS, IN 46202 | METROPOLITAN LIFE INSURANCE COMPANY | $63K | $3K | $66K | 9.38% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL AVE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $18K | $30K | 4.97% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $9K | $9K | 1.52% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL AVE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 2.00% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $7K | $7K | 1.43% |
| EMPOWER BENEFITS INC3 | 5404 CYPRESS CENTER DR STE 130 TAMPA, FL 33609 | METROPOLITAN LIFE INSURANCE COMPANY | $102K | — | $102K | 34.12% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL AVE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $8K | $13K | 4.97% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.56% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL AVE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 2.00% |
| BENEFIT ADVISORS NETWORK LLC3 | — | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.42% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL AVE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 2.00% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.46% |
| EMPOWER BENEFITS INC3 | 5404 CYPRESS CENTER DR STE 130 TAMPA, FL 33609 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $3K | $25K | 20.35% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS LLC | 3606 ENTERPRISE AVE #304 NAPLES, FL 34104 | METROPOLITAN LIFE INSURANCE COMPANY | $44 | — | $44 | 0.04% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC. | 3606 ENTERPRISE AVENUE, SUITE 304 NAPLES, FL 34104 | METLIFE LEGAL PLANS | $14K | $1 | $14K | 12.74% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS INC. | 5100 TAMIAMI TRAIL, SUITE 103 NAPLES, FL 34103 | METLIFE LEGAL PLANS | — | $2K | $2K | 2.22% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL AVE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $783 | — | $783 | 2.00% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $543 | $543 | 1.39% |
| EMPOWER BENEFITS INC3 | 5404 CYPRESS CENTER DR STE 130 TAMPA, FL 33609 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $300 | $1K | 10.12% |
| EMPOWER BENEFITS INC3 | 5404 CYPRESS CENTER DR TAMPA, FL 33609 | METROPOLITAN LIFE INSURANCE COMPANY | $883 | $62 | $945 | 25.09% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL AVE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $48 | $72 | $120 | 4.96% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $96 | $96 | 3.97% |
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 | 32,442 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 221 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,684 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 34,347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(3 contracts) | EYEMED VISION CARE | 48,189 | $3.6M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 27,719 | $5.0M |
| Short-term disability(7 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 9,437 | $9.2M |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 33,904 | $3.9M |
| Other(14 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 37,178 | $8.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 48,189 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.