| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL, INC. | 1402 NORTH CAPITAL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $144K | $11K | $155K | 7.89% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 227 WEST MONROE STREET, SUITE 5200 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 0.69% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $10K | 0.53% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL, INC. | 1402 NORTH CAPITAL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | DELTA DENTAL OF INDIANA | $0 | $15K | $15K | 3.05% |
| TRACY HENSON TUTOR4 Filed as: TRACY H. TUTOR | 9931 CYPRESS WILLOW COVE OLIVE BRANCH, MS 38654 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 11.20% |
| LOCKTON COMPANIES, LLC4 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $30 | $0 | $30 | 0.16% |
| HEALTH AND BENEFIT SYSTEMS, INC.4 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $26 | $0 | $26 | 0.14% |
| CRC INSURANCE SERVICES, INC.3 | 5301 BLUE LAGOON DRIVE, SUITE 510 MIAMI, FL 33126 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $166 | $0 | $166 | 15.01% |
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 | 1,540 | 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) | 1,540 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 1,469 | $492K |
| Vision | VISION SERVICE PLAN | 790 | $109K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,540 | $2.0M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,540 | $2.0M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,540 | $2.0M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,540 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,540 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.