| 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 462401470 | UNITEDHEALTHCARE INSURANCE COMPANY | $55K | — | $55K | 2.26% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | DELTA DENTAL OF INDIANA | $16K | — | $16K | 12.14% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $2K | $13K | 18.42% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $2K | $8K | 18.46% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $1K | $7K | 18.53% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $687 | $6K | 22.61% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | DELTA DENTAL OF INDIANA | $3K | — | $3K | 10.81% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $132 | $132 | 3.39% |
| 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 | $334 | — | $334 | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | ANTHEM INSURANCE COMPANIES, INC | $4K | — | $4K | — |
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 | 202 | 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) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 365 | $2.4M |
| Dental | DELTA DENTAL OF INDIANA | 365 | $132K |
| Vision | DELTA DENTAL OF INDIANA | 310 | $26K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 202 | $70K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 202 | $39K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 202 | $45K |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 203 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.