| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 433 N CAPITOL AVE #400 INDIANAPOLIS, IN 46204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $344K | $408K | $752K | 5.47% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 433 N CAPITOL AVE #400 INDIANAPOLIS, IN 46204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $129K | $154K | $283K | 5.47% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 433 N CAPITOL AVE #400 INDIANAPOLIS, IN 46204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $140K | $162K | $302K | 6.13% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $43K | $43K | 0.87% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 433 N CAPITOL AVE #400 INDIANAPOLIS, IN 46204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3 | $87K | $87K | 3.31% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $34K | $34K | 1.32% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 433 N CAPITOL AVE #400 INDIANAPOLIS, IN 46204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $43K | $43K | 3.76% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $26K | $26K | 2.26% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 433 N CAPITOL AVE #400 INDIANAPOLIS, IN 46204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $29K | $44K | $73K | 7.70% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $10K | $10K | 1.09% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 433 N CAPITOL AVE #400 INDIANAPOLIS, IN 46204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $36K | $36K | 3.94% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $13K | $13K | 1.39% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 433 N CAPITOL AVE #400 INDIANAPOLIS, IN 46204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $25K | $25K | 4.67% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $9K | $9K | 1.69% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL | 433 N CAPITOL AVE #400 INDIANAPOLIS, IN 46204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $32K | $8K | $40K | 9.36% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVE. SUITE 304 NAPLES, FL 34104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $32K | — | $32K | 7.50% |
| BENEFIT ADVISOR NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 0.74% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 433 N CAPITOL AVE #400 INDIANAPOLIS, IN 46204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $9K | $19K | 4.67% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $7K | $7K | 1.76% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 433 N CAPITOL AVE #400 INDIANAPOLIS, IN 46204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $23K | $7K | $31K | 9.86% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVE. SUITE 304 NAPLES, FL 34104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $23K | — | $23K | 7.50% |
| BENEFIT ADVISOR NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 0.74% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 433 N CAPITOL AVE #400 INDIANAPOLIS, IN 46204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $6K | $14K | 4.47% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 1.10% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 433 N CAPITOL AVE #400 INDIANAPOLIS, IN 46204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | $4K | $21K | 9.10% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVE. SUITE 304 NAPLES, FL 34104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | — | $17K | 7.50% |
| BENEFIT ADVISOR NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 0.50% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS INC. | 3606 ENTERPRISE AVENUE, SUITE 304 NAPLES, FL 34104 | METLIFE LEGAL PLANS | $12K | — | $12K | 10.46% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC. | 5100 TAMIAMI TRAIL, SUITE 103 NAPLES, FL 34104 | METLIFE LEGAL PLANS | — | $2K | $2K | 2.14% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 433 N CAPITOL AVE #400 INDIANAPOLIS, IN 46204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $1K | $9K | 9.08% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVE. SUITE 304 NAPLES, FL 34104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 7.50% |
| BENEFIT ADVISOR NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $468 | $468 | 0.49% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 433 N CAPITOL AVE #400 INDIANAPOLIS, IN 46204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $4K | $6K | 6.57% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 2.26% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL | 433 N CAPITOL AVE #400 INDIANAPOLIS, IN 46204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $2K | $7K | 9.76% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS LLC | 3606 ENTERPRISE AVE SUITE 304 NAPLES, FL 34104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 7.50% |
| BENEFIT ADVISOR NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $483 | $483 | 0.70% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 433 N CAPITOL AVE #400 INDIANAPOLIS, IN 46204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $1K | $3K | 4.64% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $746 | $746 | 1.19% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 433 N CAPITOL AVE #400 INDIANAPOLIS, IN 46204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $1K | $5K | 9.77% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVE. SUITE 304 NAPLES, FL 34104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 7.50% |
| BENEFIT ADVISOR NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $346 | $346 | 0.71% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 433 N CAPITOL AVE #400 INDIANAPOLIS, IN 46204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $427 | $79 | $506 | 8.88% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVENUE, SUITE 304 NAPLES, FL 34104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $427 | — | $427 | 7.50% |
| BENEFIT ADVISOR NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $25 | $25 | 0.44% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 433 N CAPITOL AVE #400 INDIANAPOLIS, IN 46204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $125 | $24 | $149 | 8.98% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC. | 3606 ENTERPRISE AVENUE, SUITE 304 NAPLES, FL 34104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $125 | — | $125 | 7.53% |
| BENEFIT ADVISOR NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $7 | $7 | 0.42% |
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 | 32,836 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 221 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 856 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 33,913 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(3 contracts) | EYEMED VISION CARE | 48,307 | $3.6M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 24,669 | $1.7M |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 40,528 | $18.9M |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 29,740 | $3.5M |
| Other(18 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 24,669 | $9.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 48,307 | — |
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.