| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: FIRST PERSON BENEFIT ADVISORS | 9000 KEYSTONE CROSSING SUITE 910 INDIANAPOLIS, IN 46240 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 0.06% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC. | 1402 NORTH CAPITOL SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | — | $14K | 11.24% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC. | 9000 KEYSTONE CROSSING SUITE 910 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 3.76% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 1.23% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 NORTH CAPITOL SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 11.35% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC. | 9000 KEYSTONE CROSSING SUITE 910 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 3.65% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $540 | $540 | 1.23% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 NORTH CAPITOL SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 11.15% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC. | 9000 KEYSTONE CROSSING SUITE 910 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 3.84% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $514 | $514 | 1.24% |
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 | 239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 679 | $3.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 679 | $3.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 679 | $3.6M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 239 | $164K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 239 | $44K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 239 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 679 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.