| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY & APPEL, INC.3 | 1402 NORTH CAPITAL, SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $51K | $6K | $57K | 16.80% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 2734 NORTH MILRED AVENUE, SUITE 3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.50% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK, LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.64% |
| GREGORY & APPEL, INC.3 | 1402 NORTH CAPITAL, SUITE 400 INDIANAPOLIS, IN 46202 | DELTA DENTAL OF INDIANA | $6K | $227 | $7K | 3.10% |
| GREGORY & APPEL, INC.3 | 433 NORTH CAPITOL, SUITE 400 INDIANAPOLIS, IN 46204 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | $0 | $3K | 10.02% |
| GREGORY & APPEL, INC.3 | 433 NORTH CAPITOL AVENUE, SUITE 400 INDIANAPOLIS, IN 46204 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $167 | $0 | $167 | 5.01% |
| JON J SCHAEFER3 Filed as: JON SCHAEFER | 7352 WEST BEYERS COURT NEW PALESTINE, IN 46163 | AFLAC | $121 | $0 | $121 | 4.10% |
| KATTE L HANNER3 Filed as: KATTE HANNER | 6378 DEERSTAND ROAD GREENWOOD, IN 46143 | AFLAC | $80 | $0 | $80 | 2.71% |
| ASHLEY SHAW LLC3 Filed as: ASHLEY SHAW | 1163 ESTANCIA WOODS LOOP WINDERMERE, FL 34786 | AFLAC | $42 | $0 | $42 | 1.42% |
| RETTENMUND INSURANCE LLC3 Filed as: RETTENMUND INSURANCE, LLC | S7991 DENZER ROAD NORTH FREEDOM, WI 53951 | AFLAC | $41 | $0 | $41 | 1.39% |
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 | 257 | 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) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 537 | $212K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 562 | $30K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 257 | $345K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 257 | $341K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 257 | $344K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 562 | — |
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.