| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP, INC | 9400 PRIORITY WAY WEST DR INDIANAPOLIS, IN 46240 | DELTA DENTAL OF INDIANA | $10K | — | $10K | 4.51% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP | 9400 PRIORITY WAY WEST DR INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $20K | $4K | $24K | 18.00% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP | 9400 PRIORITY WAY WEST DR INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $2K | $10K | 18.00% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP | 9400 PRIORITY WAY WEST DR INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $744 | $4K | 18.00% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP | 9400 PRIORITY WAY WEST DR INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $458 | $3K | 18.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC EIN 35-0781558 | Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Contract Administrator; Float revenue Service code 12 | 3075 VANDERCAR WAY CINCINNATI, OH 45209 | $493K |
| INGENIORX, INC | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Contract Administrator Service code 12 | — | $0 |
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 | 265 | 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) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC (G2001) | 423 | $232K |
| Dental | DELTA DENTAL OF INDIANA | 466 | $229K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 186 | $40K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 457 | $56K |
| Prescription drug | ANTHEM INSURANCE COMPANIES, INC (G2001) | 423 | $232K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 466 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.