| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 3755 E 82ND ST STE 100 INDIANAPOLIS, IN 462404368 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $24 | $5K | 1.98% |
| COMMERCIAL GROUP INTERMEDIARIES3 | 16 EXECUTIVE CT SOUTH BARRINGTON, IL 60010 | COMPANION LIFE COLUMBIA, SC | $6K | — | $6K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES EIN 35-0781558 ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Other services; Other fees; Contract Administrator Service code 12 | — | $507K |
| ANTHEM INSURANCE COMPANIES, INC. | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Float revenue; Claims processing Service code 12 | — | $171K |
| BLUE & CO., LLC EIN 35-1178661 AUDITOR | Accounting (including auditing) Service code 10 | — | $16K |
| BENEFIT PLANNING CONSULTANTS, INC. EIN 36-3036100 THIRD PARTY ADMINISTRATO | Contract Administrator Service code 13 | — | $11K |
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 | 857 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 275 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 165 | $543K |
| Vision | ANTHEM INSURANCE COMPANIES INC | 1,169 | $64K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,013 | $244K |
| Prescription drug(4 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 165 | $543K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | ANTHEM INSURANCE COMPANIES INC | 755 | $777K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,013 | $244K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,169 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.