| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $256K | — | $256K | 4.20% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC. | 3755 EAST 82ND STREET SUITE 100 INDIANAPOLIS, IN 462404368 | METROPOLITAN LIFE INSURANCE COMPANY | $60K | $46 | $61K | 10.43% |
| DANIEL T. HASBROOK3 Filed as: DANIEL T HASBROOK | 1095 WEST 91ST STREET INDIANAPOLIS, IN 46260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 15.00% |
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 | 1,075 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,093 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,631 | $6.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,517 | $580K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,631 | $6.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,517 | $580K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,517 | $580K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,517 | $580K |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,525 | $6.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,525 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.