| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 7.51% |
| HKG INSURANCE SOLUTIONS LLC3 | 1228 N 164TH ST OMAHA, NE 68118 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 2.43% |
| 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 | $10K | 15.11% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS INC DBA EPIC INSU | P.O. BOX 2364 INDIANAPOLIS, IN 46206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 2.33% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $917 | $6K | 14.90% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS INC DBA EPIC INSU | P.O. BOX 2364 INDIANAPOLIS, IN 46206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $956 | — | $956 | 2.43% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 3755 E 82ND STREET STE 100 INDIANAPOLIS, IN 46240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 19.60% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $990 | $152 | $1K | 14.51% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS INC DBA EPIC INSU | P.O. BOX 2364 INDIANAPOLIS, IN 46206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $191 | — | $191 | 2.43% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | ANTHEM INSURANCE COMPANIES, INC. | $5K | — | $5K | — |
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 | 206 | 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) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 0 | $0 |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 141 | $128K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 141 | $128K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 190 | $69K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 190 | $39K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 206 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.