| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEELE INSURANCE AND FINANCIAL SVCS3 | 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IN 46234 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $2K | $16K | 26.50% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC. | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $983 | $11K | 19.17% |
| STEELE INSURANCE AND FINANCIAL SVCS3 | 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IN 46234 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $2K | $15K | 31.86% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC. | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $830 | $9K | 19.23% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC. | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $2K | $11K | 26.44% |
| STEELE INSURANCE AND FINANCIAL SVCS3 | 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IN 46234 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $2K | $4K | 10.21% |
| STEELE INSURANCE AND FINANCIAL SVCS3 | 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IN 46234 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $1K | $7K | 19.00% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC. | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $630 | $4K | 11.37% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC. | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $899 | $5K | 18.34% |
| STEELE INSURANCE AND FINANCIAL SVCS3 | 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IN 46234 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $1K | $2K | 9.00% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC. | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $470 | $4K | 22.66% |
| STEELE INSURANCE AND FINANCIAL SVCS3 | 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IN 46234 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $883 | $707 | $2K | 9.00% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC. | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $949 | $223 | $1K | 18.53% |
| STEELE INSURANCE AND FINANCIAL SVCS3 | 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IN 46234 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $316 | $253 | $569 | 9.00% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC. | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $383 | $70 | $453 | 17.74% |
| STEELE INSURANCE AND FINANCIAL SVCS3 | 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IN 46234 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $128 | $102 | $230 | 9.01% |
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 | 323 | 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) | 323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 323 | $45K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 119 | $46K |
| Other(6 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 368 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 368 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.