| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL, INC. | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | PHYSICIANS HEALTH PLAN OF NORTHERN INDIANA INC. | $30K | $0 | $30K | 1.82% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL, INC. | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | STANDARD INSURANCE COMPANY | $22K | $4K | $26K | 16.14% |
| ADP INC3 Filed as: ADP, INC. | PO BOX 842875 BOSTON, MA 02284 | STANDARD INSURANCE COMPANY | $0 | $5K | $5K | 3.20% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 227 WEST MONROE STREET, SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 1.37% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER, LLC | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 0.97% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL, INC. | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | DELTA DENTAL OF INDIANA | $8K | $0 | $8K | 9.98% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL, INC. | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | VISION SERVICE PLAN | $903 | $0 | $903 | 6.30% |
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 | 226 | 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) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PHYSICIANS HEALTH PLAN OF NORTHERN INDIANA INC. | 325 | $1.6M |
| Dental | DELTA DENTAL OF INDIANA | 237 | $83K |
| Vision | VISION SERVICE PLAN | 107 | $14K |
| Life insurance | STANDARD INSURANCE COMPANY | 226 | $160K |
| Short-term disability | STANDARD INSURANCE COMPANY | 226 | $160K |
| Long-term disability | STANDARD INSURANCE COMPANY | 226 | $160K |
| Other | STANDARD INSURANCE COMPANY | 226 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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.