| 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 COMPANY | $200K | — | $200K | 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 REGION CA | $77K | — | $77K | 2.22% |
| APEX BENEFITS INC | 5898 SILVER CREEK VALLEY RD SAN JOSE, CA 95138 | THE LINCOLN NATIONAL LIFE INSURANCE COMOANY | $6K | — | $6K | 2.03% |
| NFP INSURANCE SERVICES INC Filed as: APEX BENEFITS INSURANCE AGENCY | 5898 SILVER CREEK VALLEY RD SAN JOSE, CA 95138 | KAISER FOUNDATION HEALTH PLAN REGION CA | $5K | — | $5K | 2.06% |
| APEX BENEFITS INC | 5898 SILVER CREEK VALLEY RD SAN JOSE, CA 95138 | DELTA DENTAL OF CALIFORNIA | $19K | — | $19K | 18.52% |
| APEX BENEFITS INC | 5898 SILVER CREEK VALLEY RD SAN JOSE, CA 95138 | THE LINCOLN NATIONAL LIFE INSURANCE COMOANY | $3K | — | $3K | 4.20% |
| APEX BENEFITS INC | 5898 SILVER CREEK VALLEY RD SAN JOSE, CA 95138 | THE LINCOLN NATIONAL LIFE INSURANCE COMOANY | $11K | — | $11K | 15.00% |
| APEX BENEFITS INC | 5898 SILVER CREEK VALLEY RD SAN JOSE, CA 95138 | VISION SERVICE PLAN | $2K | — | $2K | 10.87% |
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 | 865 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 865 | 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 | 1,003 | $13.8M |
| Dental | DELTA DENTAL OF CALIFORNIA | 811 | $101K |
| Vision | VISION SERVICE PLAN | 750 | $20K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMOANY | 861 | $80K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMOANY | 849 | $295K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMOANY | 861 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,003 | — |
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.