| 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 46240 | DELTA DENTAL OF OHIO | $84K | — | $84K | 4.59% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | 3350 RIVERWOOD PKWY SE SUITE 80 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | — | $13K | 2.00% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP, INC. | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $86K | — | $86K | 15.00% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | 3350 RIVERWOOD PKWY SE SUITE 80 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 2.00% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP, INC. | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | VISION SERVICE PLAN | $41K | — | $41K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP, INC. | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $61K | — | $61K | 15.00% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | 3350 RIVERWOOD PKWY SE SUITE 80 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 2.00% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP, INC. | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $35K | — | $35K | 20.00% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | 3350 RIVERWOOD PKWY SE SUITE 80 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP, INC. | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | — | $15K | 10.00% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | 3350 RIVERWOOD PKWY SE SUITE 80 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 2.00% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP, INC. | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $29K | — | $29K | 20.00% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | 3350 RIVERWOOD PKWY SE SUITE 80 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP, INC. | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | — | $16K | 15.00% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | 3350 RIVERWOOD PKWY SE SUITE 80 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 2.00% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP, INC. | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | — | $16K | 20.00% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | 3350 RIVERWOOD PKWY SE SUITE 80 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP, INC. | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $7K | — | $7K | 14.89% |
| CAROL CLINTON SMITH4 | MARITAL TRUST 3317 WAUWINET WAY NORMAN, OK 73071 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $423 | — | $423 | 0.88% |
| FRANWOOD ENTERPRISES INC4 | 30141 ANTELOPE ROAD SUITE D #242 MENIFEE, CA 92584 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $317 | — | $317 | 0.66% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | 3350 RIVERWOOD PKWY SE SUITE 80 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $629 | — | $629 | 1.98% |
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 | 7,087 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,094 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 5,411 | $1.8M |
| Vision | VISION SERVICE PLAN | 2,883 | $407K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,784 | $722K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,518 | $630K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,213 | $406K |
| Other(7 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,784 | $998K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,411 | — |
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.
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.