| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| APEX BENEFITS INC3 | 6070 HELLYER AVE SAN JOSE, CA 95138 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $97K | — | $97K | 1.92% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS INSURANCE AGENCY | 6070 HELLYER AVE SAN JOSE, CA 95138 | KAISER FOUNDATION HEALTH PLAN INC | $54K | — | $54K | 2.10% |
| APEX BENEFITS INC3 | 6070 HELLYER AVE SAN JOSE, CA 95138 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 1.67% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS INSURANCE AGENCY | 6070 HELLYER AVE SAN JOSE, CA 95138 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 2.10% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS INSURANCE AGENCY | 6070 HELLYER AVE SAN JOSE, CA 95138 | DELTA DENTAL OF CALIFORNIA | $27K | — | $27K | 20.39% |
| APEX BENEFITS INC3 | 6070 HELLYER AVE SAN JOSE, CA 95138 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.41% |
| APEX BENEFITS INC3 | 6070 HELLYER AVE SAN JOSE, CA 95138 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| APEX BENEFITS INC3 | 6070 HELLYER AVE SAN JOSE, CA 95138 | VISION SERVICE PLAN | $3K | — | $3K | 14.32% |
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 | 1,135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 703 | $7.9M |
| Dental | DELTA DENTAL OF CALIFORNIA | 2,228 | $133K |
| Vision | VISION SERVICE PLAN | 992 | $20K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,135 | $189K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,135 | $384K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,135 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,228 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.