| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | HEALTHPARTNERS | $67K | $55 | $67K | 0.43% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 462022375 | METROPOLITAN LIFE INSURANCE COMPANY | $78K | $13K | $91K | 4.69% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 2 SUITE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12 | $12 | 0.00% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL,INC. | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | DELTA DENTAL OF INDIANA | $5K | — | $5K | 0.62% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL INSURANCE | 1402 NORTH CAPITOL SUITE 400 INDIANAPOLIS, IN 46202 | COMBINED INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 20.66% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL,INC. | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $863 | — | $863 | 15.00% |
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 | 2,459 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,491 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS | 2,639 | $15.8M |
| Dental | DELTA DENTAL OF INDIANA | 2,258 | $877K |
| Vision | COMBINED INSURANCE COMPANY OF AMERICA | 1,557 | $106K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,459 | $1.9M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,459 | $1.9M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,459 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,639 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.