| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY & APPEL, INC.3 | 1402 NORTH CAPITOL, SUITE 400 INDIANAPOLIS, IN 46202 | DELTA DENTAL OF INDIANA | $6K | $0 | $6K | 2.97% |
| GREGORY & APPEL, INC.3 | 1402 NORTH CAPITOL, SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $26K | $0 | $26K | 15.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 2734 NORTH MILDRED AVENUE, SUITE 3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.50% |
| GREGORY & APPEL, INC.3 | 443 NORTH CAPITOL, SUITE 400 INDIANAPOLIS, IN 46202 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | $0 | $3K | 9.93% |
| GREGORY & APPEL, INC.3 | 1402 NORTH CAPITOL, SUITE 400 INDIANAPOLIS, IN 46202 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $201 | $0 | $201 | 4.53% |
| JON J SCHAEFER3 Filed as: JON J. SCHAEFER | 7352 WEST BEYERS COURT NEW PALESTINE, IN 46163 | AFLAC | $172 | $0 | $172 | 4.07% |
| KATTE L HANNER3 Filed as: KATTE L. HANNER | 6378 DEERSTAND ROAD GREENWOOD, IN 46143 | AFLAC | $112 | $0 | $112 | 2.65% |
| ASHLEY LYNN SHAW3 | 1163 ESTANCIA WOODS LOOP WINDERMERE, FL 34786 | AFLAC | $60 | $0 | $60 | 1.42% |
| RETTENMUND INSURANCE LLC3 | S7991 DENZER ROAD NORTH FREEDOM, WI 53951 | AFLAC | $58 | $0 | $58 | 1.37% |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 517 | $199K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 550 | $29K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 239 | $180K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 239 | $175K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 239 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 550 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.