| 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 462404368 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 10.77% |
| K2A LLC3 Filed as: K2A, LLC | PO BOX 547 GREENSBURG, IN 47240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.06% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 3755 E 82ND ST STE 100 INDIANAPOLIS, IN 462404368 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $831 | — | $831 | 2.22% |
| UNIFIED GROUP SERVICES, INC.3 | PO BOX 10 PENDLETON, IN 460640010 | NATIONAL UNION FIRE INS CO OF PITTSBURGH, PA | $2K | — | $2K | 12.00% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 3755 E 82ND ST STE 100 INDIANAPOLIS, IN 462404368 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.22% |
| K2A LLC3 Filed as: K2A, LLC | PO BOX 547 GREENSBURG, IN 47240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.52% |
| K2A LLC3 Filed as: K2A, LLC | PO BOX 547 GREENSBURG, IN 47240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $952 | — | $952 | 5.38% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 3755 E 82ND ST STE 100 INDIANAPOLIS, IN 462404368 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $846 | — | $846 | 4.78% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 3755 E 82ND ST STE 100 INDIANAPOLIS, IN 462404368 | VISION SERVICE PLAN | $549 | — | $549 | 3.69% |
| K2A LLC3 Filed as: K2A, LLC | PO BOX 547 GREENSBURG, IN 47240 | VISION SERVICE PLAN | $375 | — | $375 | 2.52% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 3755 E 82ND ST STE 100 INDIANAPOLIS, IN 462404368 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 9.08% |
| K2A LLC3 Filed as: K2A, LLC | PO BOX 547 GREENSBURG, IN 47240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $758 | — | $758 | 5.92% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 3755 E 82ND ST STE 100 INDIANAPOLIS, IN 462404368 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $323 | — | $323 | 6.85% |
| K2A LLC3 Filed as: K2A, LLC | PO BOX 547 GREENSBURG, IN 47240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $302 | — | $302 | 6.41% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 3755 E 82ND ST STE 100 INDIANAPOLIS, IN 462404368 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $114 | — | $114 | 8.58% |
| K2A LLC3 Filed as: K2A, LLC | PO BOX 547 GREENSBURG, IN 47240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $85 | — | $85 | 6.40% |
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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 126 | $108K |
| Vision | VISION SERVICE PLAN | 96 | $15K |
| Life insurance(4 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 129 | $90K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 129 | $89K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 129 | $91K |
| Other(3 contracts, 2 carriers) | NATIONAL UNION FIRE INS CO OF PITTSBURGH, PA | 129 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.