| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 3755 E 82ND STREET STE 100 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 3755 E 82ND STREET STE 100 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $978 | $6K | 18.18% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY STE 30A MARBLEHEAD, MA 01945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $348 | $348 | 1.13% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 3755 E 82ND STREET STE 100 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $642 | $2K | 12.35% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY STE 30A MARBLEHEAD, MA 01945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $228 | $228 | 1.15% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 3755 E 82ND STREET STE 100 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $173 | $1K | 23.07% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY STE 30A MARBLEHEAD, MA 01945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $62 | $62 | 1.10% |
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 | 153 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 264 | $90K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 264 | $90K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 147 | $20K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 147 | $31K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 153 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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.