| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $26K | $26K | 4.00% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL, INC | 1402 N CAPITAL STE 400 INDIANAPOLIS, IN 46202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $24K | $24K | 3.66% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL, INC | 1402 N CAPITAL STE 400 INDIANAPOLIS, IN 46202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $21K | $21K | 4.71% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $18K | $18K | 4.00% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL, INC | 1402 N CAPITAL STE 400 INDIANAPOLIS, IN 46202 | UNUM | $0 | $27K | $27K | 15.75% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL, INC | 1402 N CAPITAL STE 400 INDIANAPOLIS, IN 46202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 5.02% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 4.00% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL, INC | 1402 N CAPITAL STE 400 INDIANAPOLIS, IN 46202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.50% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NA | Claims processing Service code 12 | 300 CORPORATE PARKWAY SOUTH SUITE 100 AMHERST, NY 14226 | $1.1M |
| VISION SERVICE PLAN EIN 06-1227840 NA | Claims processing Service code 12 | PO BOX 742788 LOS ANGELES, CA 900742788 | $454K |
| AMERITAS LIFE INSURANCE CORP EIN 47-0098400 NA | Claims processing Service code 12 | PO BOX 81889 LINCOLN, NE 68501 | $109K |
| MERITAIN HEALTH - FLEX EIN 16-1264154 NA | Claims processing Service code 12 | 300 CORPORATE PARKWAY SOUTH SUITE 100 AMHERST, NY 14226 | $82K |
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 | 5,117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 37 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,491 | $744K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,177 | $450K |
| Other(2 contracts, 2 carriers) | UNUM | 842 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,491 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.