| 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 | $30K | $11K | $40K | 13.62% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC. | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $3K | $20K | 18.09% |
| 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 | $3K | $14K | 18.26% |
| 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 | $6K | $128 | $6K | 10.21% |
| 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 | $9K | $2K | $11K | 18.22% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC. | 3755 EAST 82ND STREET SUITE 100 INDIANAPOLIS, IN 462404368 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $6K | $11K | 44.78% |
| STEELE INSURANCE AND FINANCIAL SVCS3 | 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IN 462341516 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $1K | $6K | 24.78% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC. | 3755 EAST 82ND STREET SUITE 100 INDIANAPOLIS, IN 462404368 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $46 | $5K | 21.87% |
| STEELE INSURANCE AND FINANCIAL SVCS3 | 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IN 462341516 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $13 | $5K | 21.72% |
| 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 | $695 | $4K | 18.21% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC. | 3755 EAST 82ND STREET SUITE 100 INDIANAPOLIS, IN 462404368 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $46 | $4K | 21.57% |
| STEELE INSURANCE AND FINANCIAL SVCS3 | 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IN 462341516 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $10 | $4K | 21.37% |
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 | 712 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 717 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 510 | $295K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 461 | $61K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 712 | $130K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 581 | $79K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 429 | $59K |
| Other(5 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 712 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 712 | — |
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.