| 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 | $125K | $153K | $278K | 5.39% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $54K | $54K | 1.05% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $97K | $102K | $199K | 5.81% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL AVE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $82K | $83K | 3.03% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $36K | $36K | 1.33% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL AVE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $61K | $75K | $136K | 5.39% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $25K | $25K | 0.99% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL AVE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $61K | $73K | 3.55% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $49K | $49K | 2.36% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL AVE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $40K | $50K | $90K | 5.37% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $15K | $15K | 0.91% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL AVE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $692 | $31K | $31K | 3.04% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $12K | $12K | 1.19% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL AVE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $22K | $26K | $48K | 5.39% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $9K | $9K | 1.06% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $25K | $25K | $50K | 6.01% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL AVE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | $22K | $39K | 5.39% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $8K | $8K | 1.03% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL AVE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $21K | $24K | 3.39% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $13K | $13K | 1.85% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL AVE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | — | $14K | 2.42% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $6K | $6K | 1.03% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL | 1402 N CAPITOL AVE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $38K | — | $38K | 7.50% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVE. SUITE 304 NAPLES, FL 34104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $38K | — | $38K | 7.50% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL AVE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $11K | $20K | 5.36% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 0.87% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVE. SUITE 304 NAPLES, FL 34104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $27K | — | $27K | 7.50% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $27K | — | $27K | 7.50% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL AVE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 2.43% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 0.83% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVE. SUITE 304 NAPLES, FL 34104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | — | $14K | 7.50% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | — | $14K | 7.50% |
| 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 | 2.42% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 0.98% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC. | 3606 ENTERPRISE AVE. SUITE 304 NAPLES, FL 34104 | METLIFE LEGAL PLANS | $13K | — | $13K | 11.26% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS INC. | 5100 TAMIAMI TRAIL, SUITE 103 NAPLES, FL 34103 | METLIFE LEGAL PLANS | — | $3K | $3K | 3.01% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL | 1402 N CAPITOL AVE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 7.50% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS LLC | 3606 ENTERPRISE AVE SUITE 304 NAPLES, FL 34104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 7.50% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVE. SUITE 304 NAPLES, FL 34104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 7.50% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 7.50% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL AVE SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 2.43% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $489 | $489 | 0.82% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVE. SUITE 304 NAPLES, FL 34104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 7.50% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 7.50% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $298 | — | $298 | 7.51% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS INC. | 3606 ENTERPRISE AVENUE, SUITE 304 NAPLES, FL 34104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $298 | — | $298 | 7.51% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC. | 3606 ENTERPRISE AVENUE, SUITE 304 NAPLES, FL 34104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $89 | — | $89 | 7.50% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $89 | — | $89 | 7.50% |
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 | 33,079 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 256 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,216 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 34,551 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(3 contracts) | EYEMED VISION CARE | 48,775 | $3.6M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 24,251 | $2.8M |
| Short-term disability(6 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 8,584 | $11.4M |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 28,480 | $3.8M |
| Other(17 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 24,251 | $9.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 48,775 | — |
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.