| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 3755 E 82ND ST SUITE 100 INDIANAPOLIS, IN 46240 | UNITED HEALTHCARE INSURANCE COMPANY | $61K | — | $61K | 2.72% |
| AMERICAN HEALTHCARE GROUP, INC.3 Filed as: AMERICAN HEALTHCARE GROUP INC | 3939 PRIORITY WAY SOUTH DR SUITE 250 INDIANAPOLIS, IN 46240 | UNITED HEALTHCARE INSURANCE COMPANY | $28K | — | $28K | 1.27% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL-INDIANAPO | 75 REMITTANCE DR DEPT 1446 CHICAGO, IL 60675 | UNITED HEALTHCARE INSURANCE COMPANY | -$36 | — | -$36 | -0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 3755 E 82ND ST. STE 100 INDIANAPOLIS, IN 462404368 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 7.11% |
| AMERICAN HEALTHCARE GROUP, INC.3 Filed as: AMERICAN HEALTHCARE GROUP INC | 3939 PRIORITY WAY SOUTH DR SUITE 250 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 2.89% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 3755 E 82ND ST. STE 100 INDIANAPOLIS, IN 462404368 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $59 | $4K | 9.79% |
| AMERICAN HEALTHCARE GROUP, INC.3 Filed as: AMERICAN HEALTHCARE GROUP INC | 3939 PRIORITY WAY SOUTH DR SUITE 250 INDIANAPOLIS, IN 46240 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $792 | $3K | 6.43% |
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 | 627 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 628 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 424 | $2.2M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 265 | $104K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 265 | $104K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 579 | $41K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 579 | $41K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 579 | $41K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 579 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 579 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.