| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| APEX BENEFITS INC | 5898 SILVER CREEK VALLEY RD SAN JOSE, CA 95138 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE CO | $130K | — | $130K | 1.67% |
| NFP INSURANCE SERVICES INC Filed as: APEX BENEFITS INSURANCE AGENCY | 5898 SILVER CREEK VALLEY RD SAN JOSE, CA 95138 | KAISER FOUNDATION HEALTH PLAN INC | $58K | — | $58K | 1.95% |
| APEX BENEFITS INC | 5898 SILVER CREEK VALLEY RD SAN JOSE, CA 95138 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 1.98% |
| NFP INSURANCE SERVICES INC Filed as: APEX BENEFITS INSURANCE AGENCY | 5898 SILVER CREEK VALLEY RD SAN JOSE, CA 95138 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 1.91% |
| APEX BENEFITS INC | 5898 SILVER CREEK VALLEY RD SAN JOSE, CA 95138 | VISION SERVICE PLAN | $2K | — | $2K | 1.51% |
| APEX BENEFITS INC | 5898 SILVER CREEK VALLEY RD SAN JOSE, CA 95138 | DELTA DENTAL OF CALIFORNIA | $22K | — | $22K | 19.51% |
| APEX BENEFITS INC | 5898 SILVER CREEK VALLEY RD SAN JOSE, CA 95138 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 15.00% |
| APEX BENEFITS INC | 5898 SILVER CREEK VALLEY RD SAN JOSE, CA 95138 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.08% |
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 | 778 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 800 | 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 CO | 885 | $11.0M |
| Dental | DELTA DENTAL OF CALIFORNIA | 1,792 | $114K |
| Vision | VISION SERVICE PLAN | 733 | $158K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 835 | $166K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 834 | $304K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 835 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,792 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.