| 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 | SYMETRA LIFE INSURANCE COMPANY | $42K | $14K | $56K | 6.64% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | P.O. BOX 3430 CARMEL, IN 46082 | SYMETRA LIFE INSURANCE COMPANY | — | -$2K | -$2K | -0.25% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC. | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | DELTA DENTAL OF INDIANA | $9K | — | $9K | 3.17% |
| STEELE INSURANCE AND FINANCIAL SVCS3 | 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IN 46234 | SUN LIFE ASSURANCE COMPANY OF CANADA | $24K | — | $24K | 14.67% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC. | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19K | — | $19K | 11.36% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD SUITE 365 BEACHWOOD, OH 44122 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 5.00% |
| SELERIX INSURANCE SERVICES, LLC3 | 2851 CRAIG DRIVE SUITE 300 MCKINNEY, TX 75072 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 1.24% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC. | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 462401470 | VISION SERVICE PLAN | $2K | — | $2K | 3.01% |
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 | 1,017 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,019 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 1,044 | $286K |
| Vision | VISION SERVICE PLAN | 587 | $73K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,017 | $848K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,017 | $848K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,017 | $848K |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,017 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,044 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.