| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC. | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | DELTA DENTAL OF INDIANA | $3K | — | $3K | 2.99% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL INC. | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $530 | $14K | 15.60% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 4.00% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL INC. | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $214 | $6K | 15.60% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 4.00% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INSURANCE | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.92% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INSURANCE | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $414 | — | $414 | 5.00% |
| KATTE L HANNER3 | 6378 DEERSTAND ROAD GREENWOOD, IN 46143 | AFLAC | $212 | — | $212 | 2.67% |
| JON J SCHAEFER3 | 603 EAST WASHINGTON STREET SUITE 100 INDIANAPOLIS, IN 46204 | AFLAC | $195 | — | $195 | 2.46% |
| JON J SCHAEFER3 | 4900 WINSTON DRIVE INDIANAPOLIS, IN 46226 | AFLAC | $129 | — | $129 | 1.63% |
| RETTENMUND INSURANCE LLC3 | S7991 DENZER ROAD NORTH FREEDOM, WI 53951 | AFLAC | $110 | — | $110 | 1.39% |
| ASHLEY SHAW LLC3 | 2501 SOUTH MADISON AVENUE INDIANAPOLIS, IN 46225 | AFLAC | $79 | — | $79 | 1.00% |
| ASHLEY SHAW LLC3 | 2501 SOUTH MADISON AVENUE INDIANAPOLIS, IN 46225 | AFLAC | $33 | — | $33 | 0.42% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL INC. | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $802 | $181 | $983 | 18.39% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $214 | $214 | 4.00% |
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 | 124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 289 | $99K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 309 | $13K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 124 | $49K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 124 | $88K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 124 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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.