| 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 46240 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $45K | $45K | 0.99% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 3755 E. 82ND STREET STE 100 INDIANAPOLIS, IN 46240 | SHELTERPOINT LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.56% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 3755 E. 82ND STREET STE 100 INDIANAPOLIS, IN 46240 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES INC EIN 35-0781558 BENEFITS ADMINISTRATOR | Claims processing; Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Other services Service code 12 | — | $4.9M |
| DELTA DENTAL OF INDIANA EIN 35-1545647 BENEFITS ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $330K |
| LIFEWORKS US INC. EIN 81-1114266 NONE | Claims processing Service code 12 | 201 17TH ST NW SUITE 630 ATLANTA, GA 30363 | $165K |
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 | 15,883 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,915 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 15,384 | $653K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 15,639 | $4.6M |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 15,639 | $4.5M |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANIES, INC. | 15,883 | $2.1M |
| Other | SHELTERPOINT LIFE INSURANCE COMPANY | 840 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,883 | — |
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.