| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL INC. | 1402 NORTH CAPITAL, SUITE 400 INDIANAPOLIS, IN 46202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | $0 | $24K | 15.00% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL INC. | 1402 NORTH CAPITAL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | DELTA DENTAL OF INDIANA | $3K | $168 | $3K | 3.15% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL INSURANCE | 1402 NORTH CAPITAL AVENUE INDIANAPOLIS, IN 46202 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURTIY LIFE INSURANCE | $1K | $0 | $1K | 9.97% |
| JON J SCHAEFER3 Filed as: JON J. SCHAEFER | 7352 WEST BEYERS COURT NEW PALESTINE, IN 46163 | AFLAC | $327 | $0 | $327 | 4.10% |
| KATTE L HANNER3 Filed as: KATTE L. HANNER | 6378 DEERSTAND ROAD GREENWOOD, IN 46143 | AFLAC | $214 | $0 | $214 | 2.68% |
| ASHLEY LYNN SHAW3 | 603 EAST WASHINGTON STREET SUITE 100 INDIANAPOLIS, IN 46204 | AFLAC | $113 | $0 | $113 | 1.42% |
| RETTENMUND INSURANCE LLC3 | S7991 DENZER ROAD NORTH FREEDOM, WI 53951 | AFLAC | $110 | $0 | $110 | 1.38% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL INSURANCE | 1402 NORTH CAPITAL, SUITE 400 INDIANAPOLIS, IN 46202 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $346 | $0 | $346 | 5.00% |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 330 | $110K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURTIY LIFE INSURANCE | 343 | $14K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 152 | $165K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 152 | $158K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 152 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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.