| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL | 1402 N CAPITOL SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $377K | $464K | $842K | 5.58% |
| BENEFIT ADVISOR NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $38K | $38K | 0.25% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $148K | $160K | $308K | 5.93% |
| BENEFIT ADVISOR NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $42K | $42K | 0.81% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL SUITE 400 INDIANAPOLIS, IN 46204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $125K | $165K | $290K | 5.79% |
| BENEFIT ADVISOR NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $38K | $38K | 0.75% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $86K | $86K | 3.19% |
| BENEFIT ADVISOR NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $33K | $33K | 1.21% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $40K | $40K | 3.50% |
| BENEFIT ADVISOR NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $14K | $14K | 1.26% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $31K | $36K | $67K | 6.60% |
| BENEFIT ADVISOR NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $12K | $12K | 1.17% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL SUITE 400 INDIANAPOLIS, IN 46204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $36K | $36K | 3.56% |
| BENEFIT ADVISOR NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $12K | $12K | 1.14% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL SUITE 400 INDIANAPOLIS, IN 46204 | RELIASTAR LIFE INSURANCE COMPANY | — | $23K | $23K | 4.04% |
| BENEFIT ADVISOR NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIASTAR LIFE INSURANCE COMPANY | — | $7K | $7K | 1.18% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL SUITE 400 INDIANAPOLIS, IN 46204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $6K | $16K | 3.95% |
| BENEFIT ADVISOR NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $5K | $5K | 1.25% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL SUITE 400 INDIANAPOLIS, IN 46204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $30K | $3K | $33K | 8.20% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 3606 ENTERPRISE AVE SUITE 304 NAPLES, FL 34104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $30K | — | $30K | 7.50% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 0.67% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL SUITE 400 INDIANAPOLIS, IN 46204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $5K | $12K | 3.99% |
| BENEFIT ADVISOR NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 1.24% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL SUITE 400 INDIANAPOLIS, IN 46204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $22K | $2K | $24K | 8.15% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS INC. DBA CORESTREA | 3606 ENTERPRISE AVE SUITE 304 NAPLES, FL 34104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $22K | — | $22K | 7.50% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 0.49% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL SUITE 400 INDIANAPOLIS, IN 46204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $22K | $3K | $24K | 8.44% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS INC. DBA CORESTREA | 3606 ENTERPRISE AVE SUITE 304 NAPLES, FL 34104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $22K | — | $22K | 7.50% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 0.67% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 3606 ENTERPRISE AVE SUITE 304 NAPLES, FL 34104 | METLIFE LEGAL PLANS | $14K | — | $14K | 10.45% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 3606 ENTERPRISE AVE SUITE 304 NAPLES, FL 34104 | METLIFE LEGAL PLANS | — | $2K | $2K | 1.33% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 2210 VANDERBILT BEACH ROAD SUITE 1203 NAPLES, FL 34109 | METLIFE LEGAL PLANS | — | $3 | $3 | 0.00% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL SUITE 400 INDIANAPOLIS, IN 46204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $788 | $10K | 8.15% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS INC. DBA CORESTREA | 3606 ENTERPRISE AVE SUITE 304 NAPLES, FL 34104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 7.50% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $593 | $593 | 0.49% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL SUITE 400 INDIANAPOLIS, IN 46204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $1K | $4K | 3.90% |
| BENEFIT ADVISOR NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 1.17% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL SUITE 400 INDIANAPOLIS, IN 46204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $604 | $6K | 8.35% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 3606 ENTERPRISE AVE SUITE 304 NAPLES, FL 34104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 7.50% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $428 | $428 | 0.60% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL SUITE 400 INDIANAPOLIS, IN 46204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $943 | $3K | 3.92% |
| BENEFIT ADVISOR NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $786 | $786 | 1.18% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL SUITE 400 INDIANAPOLIS, IN 46204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $430 | $4K | 8.36% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS INC. DBA CORESTREA | 3606 ENTERPRISE AVE SUITE 304 NAPLES, FL 34104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 7.50% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $304 | $304 | 0.61% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL SUITE 400 INDIANAPOLIS, IN 46204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $47 | $1K | 13.30% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS INC. DBA CORESTREA | 3606 ENTERPRISE AVE SUITE 304 NAPLES, FL 34104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 11.77% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $36 | $36 | 0.39% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 5404 CYPRESS CENTER DR. SUITE 130 TAMPA, FL 33609 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $106 | $1K | 23.48% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL SUITE 400 INDIANAPOLIS, IN 46204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $264 | $14 | $278 | 7.90% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS INC. DBA CORESTREA | 3606 ENTERPRISE AVE SUITE 304 NAPLES, FL 34104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $264 | — | $264 | 7.50% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $10 | $10 | 0.28% |
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 | 30,576 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 188 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 30,764 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 22 | $5K |
| Vision(2 contracts) | EYEMED VISION CARE | 19,610 | $823K |
| Life insurance(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 24,288 | $7.9M |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 35,615 | $20.1M |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 30,390 | $3.7M |
| Other(13 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 21,112 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 35,615 | — |
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.