| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY & APPEL, INC.3 | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | PHYSICIANS HEALTH PLAN OF NORTHERN INDIANA INC. | $31K | $0 | $31K | 1.58% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APEL, INC. | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | STANDARD INSURANCE COMPANY | $34K | $3K | $37K | 18.10% |
| CERIDIAN HCM INC3 Filed as: CERIDIAN HCM, INC. | PO BOX 772830 CHICAGO, IL 60677 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 1.73% |
| ADP INC3 Filed as: ADP, INC. | PO BOX 830272 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 1.60% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 227 WEST MONROE STREET, SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 1.29% |
| GREGORY & APPEL, INC.3 | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | DELTA DENTAL OF INDIANA | $9K | $0 | $9K | 10.35% |
| GREGORY & APPEL, INC.3 | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | VISION SERVICE PLAN | $932 | $0 | $932 | 6.16% |
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 | 252 | 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) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PHYSICIANS HEALTH PLAN OF NORTHERN INDIANA INC. | 122 | $1.9M |
| Dental | DELTA DENTAL OF INDIANA | 205 | $86K |
| Vision | VISION SERVICE PLAN | 88 | $15K |
| Life insurance | STANDARD INSURANCE COMPANY | 252 | $202K |
| Short-term disability | STANDARD INSURANCE COMPANY | 252 | $202K |
| Long-term disability | STANDARD INSURANCE COMPANY | 252 | $202K |
| Prescription drug | PHYSICIANS HEALTH PLAN OF NORTHERN INDIANA INC. | 122 | $1.9M |
| Other | STANDARD INSURANCE COMPANY | 252 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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."
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.