| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP, INC. | 3755 E 82ND ST, STE 100 INDIANAPOLIS, IN 46240 | RELIANCE LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC. | 3755 E 82ND STREET SUITE 100 INDIANAPOLIS, IN 46240 | RELIANCE LIFE INSURANCE COMPANY | $3K | $328 | $3K | 16.83% |
| BROKERSUITE INC3 Filed as: BROKERSUITE INC. | 124 WASHINGTON STREET SUITE 302 FOXBORO, MA 02035 | RELIANCE LIFE INSURANCE COMPANY | — | $2K | $2K | 10.00% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY STE 30A MARBLEHEAD, MA 19045 | RELIANCE LIFE INSURANCE COMPANY | — | $117 | $117 | 0.65% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP, INC. | 3755 E 82ND STREET, SUITE 100 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $239 | $2K | 23.08% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY STE 30A MARBLEHEAD, MA 19045 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $85 | $85 | 1.09% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP, INC. | 3755 E 82ND ST, SUITE 100 INDIANAPOLIS, IN 46240 | RELIANCE LIFE INSURANCE COMPANY | $1K | $245 | $1K | 18.18% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY STE 30A MARBLEHEAD, MA 19045 | RELIANCE LIFE INSURANCE COMPANY | — | $88 | $88 | 1.14% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP, INC. | 3755 E 82ND ST, STE 100 INDIANAPOLIS, IN 46240 | EYEMED VISION CARE OBO FIDELITY SECURITY LIFE INSURANCE COMPANY | $542 | — | $542 | 9.95% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP, INC. | 3755 E 82ND STREET, SUITE 100 INDIANAPOLIS, IN 46240 | RELIANCE LIFE INSURANCE COMPANY | $693 | $135 | $828 | 17.91% |
| BROKERSUITE INC3 | 124 WASHINGTON ST, STE 302 FOXBORO, MA 02035 | RELIANCE LIFE INSURANCE COMPANY | — | $462 | $462 | 10.00% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY STE 30A MARBLEHEAD, MA 19045 | RELIANCE LIFE INSURANCE COMPANY | — | $48 | $48 | 1.04% |
| BROKERSUITE INC3 | 124 WASHINGTON ST, STE 302 FOXBORO, MA 02035 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $552 | — | $552 | 15.61% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP, INC. | 3755 E 82ND STREET, SUITE 100 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $156 | $22 | $178 | 5.03% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY STE 30A MARBLEHEAD, MA 19045 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $8 | $8 | 0.23% |
| BROKERSUITE INC3 | 124 WASHINGTON ST, STE 302 FOXBORO, MA 02035 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $312 | — | $312 | 15.60% |
| APEX BENEFITS INC3 Filed as: APEX BENEFITS | 3755 E 82ND STREET, SUITE 100 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $88 | $11 | $99 | 4.95% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY STE 30A MARBLEHEAD, MA 19045 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4 | $4 | 0.20% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE LIFE INSURANCE COMPANY | 127 | $36K |
| Vision | EYEMED VISION CARE OBO FIDELITY SECURITY LIFE INSURANCE COMPANY | 114 | $5K |
| Life insurance(2 contracts) | RELIANCE LIFE INSURANCE COMPANY | 86 | $23K |
| Short-term disability | RELIANCE LIFE INSURANCE COMPANY | 25 | $8K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 30 | $8K |
| Other(3 contracts, 2 carriers) | RELIANCE LIFE INSURANCE COMPANY | 86 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.