| 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 462401470 | METROPOLITAN LIFE INSURANCE COMPANY | $213K | $21K | $233K | 12.49% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD SUITE 365 BEACHWOOD, OH 441225646 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $4K | $14K | 0.76% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP, INC. | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 462401470 | METROPOLITAN LIFE INSURANCE COMPANY | $50K | $2K | $52K | 32.64% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD SUITE 365 BEACHWOOD, OH 441225646 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $1K | $8K | 5.01% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP, INC. | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 462401470 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | $843 | $31K | 40.96% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD SUITE 365 BEACHWOOD, OH 441225646 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $633 | $4K | 4.96% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP, INC. | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 462401470 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $849 | $23K | 36.46% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD SUITE 365 BEACHWOOD, OH 441225646 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $522 | $3K | 4.98% |
| DANIEL T. HASBROOK3 | 1095 W. 91ST STREET INDIANAPOLIS, IN 46260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 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 | 866 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 909 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,447 | $1.9M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,447 | $1.9M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,447 | $1.9M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,447 | $1.9M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,447 | $1.9M |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,447 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,447 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.