| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 3755 82ND STREET SUITE 100 INDIANAPOLIS, IN 46240 | ANTHEM INSURANCE COMPANIES, INC. | $45K | — | $45K | 2.95% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 3755 E 82ND ST STE 100 INDIANAPOLIS, IN 462404368 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.42% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | OSWALD COMPANIES 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 441142544 | PRINCIPAL LIFE INSURANCE COMPANY | $775 | — | $775 | 1.24% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 3755 E 82ND STREET SUITE 100 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $821 | $3K | 10.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $847 | — | $847 | 2.94% |
| PROSENTIAL BENEFITS LLC3 | 40 TIOGA WAY STE 30A MARBLEHEAD, MA 01945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $410 | $410 | 1.42% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 3755 E 82ND STREET SUITE 100 INDIANAPOLIS, IN 46420 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $760 | $5K | 17.50% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.28% |
| PROSENTIAL BENEFITS LLC3 | 40 TIOGA WAY STE 30A MARBLEHEAD, MA 01945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $380 | $380 | 1.39% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 3755 E 82ND ST STE 100 INDIANAPOLIS, IN 462404368 | VISION SERVICE PLAN | $722 | — | $722 | 3.47% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 441142544 | VISION SERVICE PLAN | $419 | — | $419 | 2.01% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 3755 E 82ND STREET SUITE 100 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $387 | $2K | 17.41% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $746 | $0 | $746 | 5.39% |
| PROSENTIAL BENEFITS LLC3 | 40 TIOGA WAY STE 30A MARBLEHEAD, MA 01945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $194 | $194 | 1.40% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 3755 E 82ND STREET SUITE 100 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $390 | $2K | 17.52% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $724 | — | $724 | 5.36% |
| PROSENTIAL BENEFITS LLC3 | 40 TIOGA WAY STE 30A MARBLEHEAD, MA 01945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $195 | $195 | 1.44% |
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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 287 | $1.5M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 232 | $63K |
| Vision | VISION SERVICE PLAN | 136 | $21K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 141 | $41K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 133 | $29K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 133 | $14K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 141 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.