| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONI RISK PARTNERS INC3 Filed as: ONI INSURANCE GROUP INC. | 600 EAST 96TH STREET SUITE 400 INDIANAPOLIS, IN 462403842 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| ONB INSURANCE GROUP INC.3 | 600 EAST 96TH STREET SUITE 400 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 12.65% |
| BROKERSUITE INC3 Filed as: BROKERSUITE INC. | 124 WASHINGTON STREET SUITE 302 FOXBORO, MA 02035 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC. | 3755 EAST 82ND STREET SUITE 100 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $412 | $413 | $825 | 4.71% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY SUITE 30A MARBLEHEAD, MA 01945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $207 | $207 | 1.18% |
| ONB INSURANCE GROUP INC.3 | 600 EAST 96TH STREET SUITE 400 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 12.78% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC. | 3755 EAST 82ND STREET SUITE 100 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $186 | $192 | $378 | 4.51% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY SUITE 30A MARBLEHEAD, MA 01945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $96 | $96 | 1.15% |
| ONB INSURANCE GROUP INC.3 | 600 EAST 96TH STREET SUITE 400 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 16.95% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC. | 3755 EAST 82ND STREET SUITE 100 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $229 | $195 | $424 | 5.65% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY SUITE 30A MARBLEHEAD, MA 01945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $97 | $97 | 1.29% |
| ONB INSURANCE GROUP INC.3 | 600 EAST 96TH STREET SUITE 400 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $706 | — | $706 | 12.65% |
| BROKERSUITE INC3 Filed as: BROKERSUITE INC. | 124 WASHINGTON STREET SUITE 302 FOXBORO, MA 02035 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $558 | $558 | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC. | 3755 EAST 82ND STREET SUITE 100 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $131 | $114 | $245 | 4.39% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY SUITE 30A MARBLEHEAD, MA 01945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $57 | $57 | 1.02% |
| BROKERSUITE INC3 Filed as: BROKERSUITE INC. | 124 WASHINGTON STREET SUITE 302 FOXBORO, MA 02035 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $513 | — | $513 | 15.59% |
| ONB INSURANCE GROUP INC.3 | 600 EAST 96TH STREET SUITE 400 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $118 | — | $118 | 3.59% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC. | 3755 EAST 82ND STREET SUITE 100 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $19 | $19 | 0.58% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY SUITE 30A MARBLEHEAD, MA 01945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $10 | $10 | 0.30% |
| BROKERSUITE INC3 Filed as: BROKERSUITE INC. | 124 WASHINGTON STREET SUITE 302 FOXBORO, MA 02035 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $283 | — | $283 | 15.59% |
| ONB INSURANCE GROUP INC.3 | 600 EAST 96TH STREET SUITE 400 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $68 | — | $68 | 3.75% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC. | 3755 EAST 82ND STREET SUITE 100 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $11 | $11 | 0.61% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY SUITE 30A MARBLEHEAD, MA 01945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $5 | $5 | 0.28% |
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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 132 | $46K |
| Vision | EYEMED VISION CARE OBO FIDELITY SECURITY LIFE INSURANCE COMPANY | 120 | $5K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 104 | $23K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 26 | $8K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 30 | $8K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 104 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.