| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STACY SMALL3 | 433 N. CAPITAL AVENUE SUITE 400 INDIANAPOLIS, IN 46204 | KANSAS CITY LIFE INSURANCE COMPANY | $11K | — | $11K | 9.97% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT, LLC | 257 N. CALDERWOOD STREET SUITE 357 ALCOA, TN 37701 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | — | $13K | 28.17% |
| GREGORY & APPEL, INC.3 | 1402 N. CAPITOL SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $448 | $11K | 24.16% |
| NATIONAL BENEFIT CENTER3 | 3659 GREEN ROAD SUITE 322-8 BEACHWOOD, OH 44122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $160 | $160 | 0.35% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT, LLC | 257 N. CALDERWOOD STREET SUITE 357 ALCOA, TN 37701 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| GREGORY & APPEL, INC.3 | 1402 N. CAPIT0L SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $310 | $4K | 10.91% |
| NATIONAL BENEFIT CENTER3 | 3659 GREEN ROAD SUITE 322-8 BEACHWOOD, OH 44122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $111 | $111 | 0.33% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT, LLC | 257 N. CALDERWOOD STREET SUITE 357 ALCOA, TN 37701 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 28.36% |
| GREGORY & APPEL, INC.3 | 1402 N. CAPITOL SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $333 | $8K | 24.41% |
| NATIONAL BENEFIT CENTER3 | 3659 GREEN ROAD SUITE 322-8 BEACHWOOD, OH 44122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $119 | $119 | 0.37% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT, LLC | 257 N. CALDERWOOD STREET SUITE 357 ALCOA, TN 37701 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 28.09% |
| GREGORY & APPEL, INC.3 | 1402 N. CAPITOL SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $251 | $6K | 24.09% |
| NATIONAL BENEFIT CENTER3 | 3659 GREEN ROAD SUITE 322-8 BEACHWOOD, OH 44122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $90 | $90 | 0.36% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT, LLC | 257 N. CALDERWOOD STREET SUITE 357 ALCOA, TN 37701 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| GREGORY & APPEL, INC.3 | 1402 N. CAPITOL SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $916 | — | $916 | 5.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT, LLC | 257 N. CALDERWOOD STREET SUITE 357 ALCOA, TN 37701 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| GREGORY & APPEL, INC.3 | 1402 N. CAPITOL SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $632 | — | $632 | 5.00% |
| GREGORY & APPEL, INC.3 | 1402 N. CAPITOL SUITE 400 INDIANAPOLIS, IN 46202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $225 | $2K | 17.05% |
| NATIONAL BENEFIT CENTER3 | 3659 GREEN ROAD SUITE 322-8 BEACHWOOD, OH 44122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $80 | $80 | 0.73% |
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 | 409 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | KANSAS CITY LIFE INSURANCE COMPANY | 247 | $107K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 409 | $45K |
| Short-term disability(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 247 | $126K |
| Long-term disability(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 409 | $120K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 409 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.