| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 3755 E 82ND STREET SUITE 100 INDIANAPOLIS, IN 452404368 | HUMANA INSURANCE COMPANY | $9K | — | $9K | 1.66% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 3755 E 82 STREET STE 100 INDIANAPOLIS, IN 46240 | SYMETRA LIFE INSURANCE COMPANY | $34K | $8K | $42K | 13.14% |
| COMMERCIAL GROUP INTERMEDIARIES3 | 16 EXECUTIVE CT SOUTH BARRINGTON, IL 60010 | COMPANION LIFE COLUMBIA, SC | $7K | — | $7K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP IN | 3755 E 82ND STREET SUITE 100 INDIANAPOLIS, IN 462404368 | HUMANA HEALTH INSURANCE COMPANY OF FLORIDA INC | $100 | — | $100 | 1.01% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 3755 E 82ND STREET SUITE 100 INDIANAPOLIS, IN 462404368 | HUMANA BENEFIT PLAN OF ILLINOIS INC | $100 | — | $100 | 1.61% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 3755 E 82ND STREET INDIANAPOLIS, IN 462404368 | HUMANA INSURANCE COMPANY | $50 | — | $50 | 1.52% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 3755 E 82ND ST STE 100 INDIANAPOLIS, IN 462404368 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $23 | $2K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES EIN 35-0781558 NONE | Claims processing; Other services; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator Service code 12 | — | $593K |
| ANTHEM INSURANCE COMPANIES, INC. | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Contract Administrator Service code 12 | — | $136K |
| BLUE & CO., LLC EIN 35-1178661 NONE | Accounting (including auditing) Service code 10 | — | $32K |
| BENEFIT PLANNING CONSULTANTS, INC. EIN 36-3036100 NONE | Contract Administrator Service code 13 | — | $10K |
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 | 898 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 906 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 159 | $549K |
| Vision | ANTHEM INSURANCE COMPANIES INC | 1,200 | $65K |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 898 | $320K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 898 | $320K |
| Prescription drug(4 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 159 | $549K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE COLUMBIA, SC | 784 | $135K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 898 | $320K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,200 | — |
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.