| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC. | 3755 EAST 82ND STREET SUITE 100 INDIANAPOLIS, IN 46240 | ANTHEM INSURANCE COMPANIES, INC. | $47K | $1K | $49K | 4.49% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC. | 3755 EAST 82ND STREET SUITE 100 INDIANAPOLIS, IN 462404368 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.18% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC. | 3755 EAST 82ND STREET SUITE 100 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $977 | $4K | 12.10% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY SUITE 30A MARBLEHEAD, MA 01945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $349 | $349 | 1.06% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC. | 3755 EAST 82ND STREET SUITE 100 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $830 | $7K | 22.73% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY SUITE 30A MARBLEHEAD, MA 01945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $296 | $296 | 0.97% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC. | 3755 EAST 82ND STREET SUITE 100 INDIANAPOLIS, IN 462404368 | VISION SERVICE PLAN | $1K | — | $1K | 5.59% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC. | 3755 EAST 82ND STREET SUITE 100 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $475 | $4K | 23.04% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY SUITE 30A MARBLEHEAD, MA 01945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $170 | $170 | 1.09% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC. | 3755 EAST 82ND STREET SUITE 100 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $463 | $4K | 22.99% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY SUITE 30A MARBLEHEAD, MA 01945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $165 | $165 | 1.06% |
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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 263 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 234 | $59K |
| Vision | VISION SERVICE PLAN | 131 | $20K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 201 | $46K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 191 | $33K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 191 | $16K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 201 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.