| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: FIRST PERSON BENEFIT ADVISORS, INC | 9000 KEYSTONE CROSSING, STE 910 INDIANAPOLIS, IN 46240 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $20K | $20K | 0.28% |
| ENROLLEASE3 Filed as: FIRST PERSON BENEFIT ADVISORS, INC | 9000 KEYSTONE CROSSING, STE 910 INDIANAPOLIS, IN 46240 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | $526 | $12K | 9.21% |
| GREGORY & APPEL, INC. Filed as: GREGORY APPEL | 1402 NORTH CAPITAL, STE 400 INDIANAPOLIS, IN 46202 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 5.09% |
| NFP INSURANCE SERVICES INC Filed as: NFP INSURANCESERVICESK NO | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY WEST LAKE HILLS, TX 78746 | PRINCIPAL LIFE INSURANCE COMPANY | — | $542 | $542 | 0.40% |
| ENROLLEASE3 Filed as: FIRST PERSON BENEFIT ADVISORS, INC | 9000 KEYSTONE CROSSING, STE 910 INDIANAPOLIS, IN 46240 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $1K | $3K | 9.35% |
| GREGORY & APPEL, INC. Filed as: GREGORY APPEL | 1402 NORTH CAPITAL, STE 400 INDIANAPOLIS, IN 46202 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $938 | — | $938 | 3.39% |
| HORIZON PLANNING GROUP3 | 9000 KEYSTONE CROSSING, STE 910 INDIANAPOLIS, IN 46240 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5 | — | $5 | 0.02% |
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 | 394 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 396 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 983 | $7.1M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 92 | $28K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 92 | $28K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 148 | $135K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 148 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 983 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.