| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INSURANCE | 1402 NORTH CAPITAL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | $52K | — | $52K | 0.28% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - NJ | 29840 NETWORK PLACE CHICAGO, IL 606731298 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | $8K | — | $8K | 0.05% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INSURANCE | 1402 NORTH CAPITAL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | DELTA DENTAL OF INDIANA | $3K | $1K | $4K | 0.58% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | DELTA DENTAL OF INDIANA | $2K | — | $2K | 0.27% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INSURANCE | 1402 N. CAPITAL AVENUE INDIANAPOLIS, IN 46202 | COMBINED INSURANCE COMPANY OF AMERICA | $31K | — | $31K | 20.06% |
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 | 1,508 | 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) | 1,508 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | 2,280 | $18.4M |
| Dental | DELTA DENTAL OF INDIANA | 2,182 | $692K |
| Vision | COMBINED INSURANCE COMPANY OF AMERICA | 1,594 | $155K |
| Other(2 contracts, 2 carriers) | LIFEWORKS US INC. | 1,508 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,280 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.