| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC. | 3755 EAST 82ND STREET SUITE 100 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | $29K | $55K | 21.26% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC. | 3755 EAST 82ND STREET SUITE 100 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $7K | $19K | 23.49% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC. | 3755 EAST 82ND STREET SUITE 100 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $4K | $12K | 23.64% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC. | 3755 EAST 82ND STREET SUITE 100 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 13.18% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC. | 3755 EAST 82ND STREET SUITE 100 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $4K | $9K | 24.81% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC. | 3755 EAST 82ND STREET SUITE 100 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $4K | 24.55% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC. | 3755 EAST 82ND STREET SUITE 100 INDIANAPOLIS, IN 462404368 | METROPOLITAN LIFE INSURANCE COMPANY | $817 | $72 | $889 | 5.28% |
| STEELE INSURANCE AND FINANCIAL SVCS3 | 9020 CRAWFORDVILLE ROAD INDIANAPOLIS, IN 462341516 | METROPOLITAN LIFE INSURANCE COMPANY | $817 | — | $817 | 4.85% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC. | 3755 EAST 82ND STREET SUITE 100 INDIANAPOLIS, IN 462404368 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $72 | $1K | 6.64% |
| STEELE INSURANCE AND FINANCIAL SVCS3 | 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IN 462341516 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 6.20% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC. | 3755 EAST 82ND STREET SUITE 100 INDIANAPOLIS, IN 462404368 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $72 | $1K | 9.65% |
| STEELE INSURANCE AND FINANCIAL SVCS3 | 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IN 462341516 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 9.08% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC. | 3755 EAST 82ND STREET SUITE 100 INDIANAPOLIS, IN 46240 | ANTHEM INSURANCE COMPANIES, INC. | $404 | — | $404 | 9.71% |
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 | 603 | 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) | 604 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 435 | $257K |
| Vision(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 629 | $55K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 603 | $56K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 603 | $81K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 603 | $51K |
| Other(5 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 603 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 629 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.