| 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 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $104K | $24K | $128K | 19.15% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP, INC. | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $32K | — | $32K | 17.00% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP, INC. | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 8.84% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP, INC. | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | — | $19K | 17.00% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP, INC. | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $4K | $10K | 17.76% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $955 | $955 | 1.69% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP, INC. | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $3K | $8K | 16.61% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $893 | $893 | 1.95% |
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 | 1,748 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,754 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 993 | $138K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,748 | $669K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,751 | $299K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 577 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,751 | — |
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.