| 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 | DELTA DENTAL OF INDIANA | $11K | $0 | $11K | 9.12% |
| RONALD F REMAK INSURANCE INC3 Filed as: RONALD F. REMAK INSURANCE, INC. | 306 STATE ROAD 446 BLOOMINGTON, IN 47401 | DELTA DENTAL OF INDIANA | $940 | $0 | $940 | 0.81% |
| MARK D. OYLER3 | UNKNOWN BLOOMINGTON, IN 47404 | ONEAMERICA | $8K | $0 | $8K | 7.02% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP, INC. | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | ONEAMERICA | $6K | $0 | $6K | 4.80% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP, INC. | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $47 | $47 | 0.10% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP, INC. | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.75% |
| RONALD F REMAK INSURANCE INC3 Filed as: RONALD F. REMAK INSURANCE, INC. | 306 SOUTH STATE ROAD 446 BLOOMINGTON, IN 47401 | VISION SERVICE PLAN | $297 | $0 | $297 | 1.07% |
| KYLE ELLISON3 Filed as: KYLE R. ELLISON | 1281 EAST MARIGOLD DRIVE BLOOMINGTON, IN 47401 | AFLAC | $2 | $0 | $2 | 4.35% |
| PETER J EMMERT3 Filed as: PETER J. EMMERT | 5904 OAKFORGE LANE INDIANAPOLIS, IN 46254 | AFLAC | $2 | $0 | $2 | 4.35% |
| ROBERT W BURGETT3 Filed as: ROBERT W. BURGETT | 1701 WEST 18TH STREET, SUITE A INDIANAPOLIS, IN 46202 | AFLAC | $1 | $0 | $1 | 2.17% |
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 | 270 | 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) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 327 | $116K |
| Vision | VISION SERVICE PLAN | 172 | $28K |
| Life insurance(2 contracts, 2 carriers) | ONEAMERICA | 270 | $162K |
| Short-term disability(2 contracts, 2 carriers) | ONEAMERICA | 270 | $162K |
| Long-term disability(2 contracts, 2 carriers) | ONEAMERICA | 270 | $162K |
| Other(3 contracts, 3 carriers) | ONEAMERICA | 270 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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."
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.