| 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 | $8K | — | $8K | 1.67% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 133 FEDERAL ST BOSTON, MA 02110 | SYMETRA LIFE INSURANCE COMPANY | $25K | — | $25K | 9.12% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 3755 E 82 STREET STE 100 INDIANAPOLIS, IN 46240 | SYMETRA LIFE INSURANCE COMPANY | $13K | $2K | $15K | 5.38% |
| 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 | 2.43% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 3755 E 82ND STREET INDIANAPOLIS, IN 462404368 | HUMANA INSURANCE COMPANY | $50 | — | $50 | 1.48% |
| 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 | $150 | — | $150 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES EIN 35-0781558 NONE | Claims processing; Other services; Float revenue; Other fees; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $239K |
| ANTHEM INSURANCE COMPANIES INC | Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $90K |
| BLUE & CO LLC EIN 35-1178661 NONE | Accounting (including auditing) Service code 10 | — | $17K |
| APEX BENEFITS GROUP INC NONE | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 8500 KEYSTONE CROSSING STE 490 INDIANAPOLIS, IN 46240 | $11K |
| HAYS GROUP INC NONE | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | $10K |
| BENEFIT PLAN CONSULTANTS INC EIN 36-3036100 NONE | Actuarial Service code 11 | — | $5K |
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 | 904 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 908 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 142 | $509K |
| Vision | ANTHEM INSURANCE COMPANIES INC | 506 | $121K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 904 | $279K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 904 | $279K |
| Prescription drug(5 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 142 | $509K |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANIES INC | 506 | $121K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 904 | $279K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 904 | — |
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."
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.