Haytham Elzayn

President

Haytham has over three decades of experience in the vehicle service contract and F&I administration industry, specializing in building and managing third-party administrators that drive dealer profitability. With a strong actuarial background, he has played a key role in developing innovative risk management strategies and financially sound F&I programs. Haytham has successfully founded and led multiple administration companies, ensuring long-term stability and growth for dealers and their reinsurance structures. At Apex, he brings his expertise in data-driven underwriting, claims management, and dealer-focused solutions to create a more profitable and transparent TPA model.

Michelle DeFouw

Chief of Staff

Michelle brings 25 years of experience in the F&I administration industry, specializing in project management, compliance, and operational efficiency. As Chief of Staff at Apex, she oversees key initiatives, ensuring seamless execution across all aspects of TPA operations. Her expertise in compliance, process optimization, and team coordination helps drive efficiency and maintain the highest standards of service. With a deep understanding of the industry's complexities, Michelle plays a pivotal role in ensuring Apex delivers best-in-class solutions to dealers, agents, and partners.

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Paul Miles

VP Actuarial Services

Paul is a seasoned actuary with 35 years of experience in pricing, underwriting, and risk management for F&I administration. As VP of Actuarial Services at Apex, he leads all actuarial and underwriting efforts, ensuring that program pricing is optimized for dealer profitability and long-term sustainability. His deep expertise in reinsurance structures allows dealerships to maximize wealth-building opportunities while maintaining financial security. With a keen analytical approach and a commitment to precision, Paul ensures that Apex’s programs are strategically designed to balance profitability, risk, and dealer success.

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Kenny Halfpap

VP Risk Management

Kenny brings 25 years of experience in the F&I administration industry. As VP of Risk Management at Apex Administrators, he oversees all programs and claims operations, ensuring they run smoothly and efficiently for dealerships and their customers. With a strong background in risk mitigation and claims management, Kenny focuses on maintaining program stability while optimizing dealer profitability. His leadership and expertise help Apex Administrators deliver seamless claims processing, operational excellence, and long-term financial security for its partners.

Andrew Elzayn

VP Business Development

Andrew serves as VP Business Development at Apex. He focuses on identifying growth opportunities, optimizing business strategies, and leveraging data-driven insights to enhance dealer profitability. With a strong analytical background, Andrew plays a key role in financial modeling, program development, and market expansion, ensuring Apex continues to provide innovative and effective solutions for its partners. His strategic approach helps drive long-term success and competitive advantages for dealerships and agents alike.

Anthony Salyer

VP Finance

Anthony serves as VP Finance at Apex, bringing extensive expertise in financial management, reporting, and insurance accounting. He oversees all financial operations, including the production of cession statements, financial analysis, and program profitability tracking. With a keen eye for detail and a deep understanding of F&I financial structures, Anthony ensures that dealerships receive transparent reporting and optimized financial performance. His leadership helps Apex maintain strong fiscal integrity and dealer-focused financial solutions that drive long-term success.

Haytham Elzayn

President

Haytham has over three decades of experience in the vehicle service contract and F&I administration industry, specializing in building and managing third-party administrators that drive dealer profitability. With a strong actuarial background, he has played a key role in developing innovative risk management strategies and financially sound F&I programs. Haytham has successfully founded and led multiple administration companies, ensuring long-term stability and growth for dealers and their reinsurance structures. At Apex, he brings his expertise in data-driven underwriting, claims management, and dealer-focused solutions to create a more profitable and transparent TPA model.

Michelle DeFouw

Chief of Staff

Michelle brings 25 years of experience in the F&I administration industry, specializing in project management, compliance, and operational efficiency. As Chief of Staff at Apex, she oversees key initiatives, ensuring seamless execution across all aspects of TPA operations. Her expertise in compliance, process optimization, and team coordination helps drive efficiency and maintain the highest standards of service. With a deep understanding of the industry's complexities, Michelle plays a pivotal role in ensuring Apex delivers best-in-class solutions to dealers, agents, and partners.

Image of a man
Paul Miles

VP Actuarial Services

Paul is a seasoned actuary with 35 years of experience in pricing, underwriting, and risk management for F&I administration. As VP of Actuarial Services at Apex, he leads all actuarial and underwriting efforts, ensuring that program pricing is optimized for dealer profitability and long-term sustainability. His deep expertise in reinsurance structures allows dealerships to maximize wealth-building opportunities while maintaining financial security. With a keen analytical approach and a commitment to precision, Paul ensures that Apex’s programs are strategically designed to balance profitability, risk, and dealer success.

Image of a man
Kenny Halfpap

VP Risk Management

Kenny brings 25 years of experience in the F&I administration industry. As VP of Risk Management at Apex Administrators, he oversees all programs and claims operations, ensuring they run smoothly and efficiently for dealerships and their customers. With a strong background in risk mitigation and claims management, Kenny focuses on maintaining program stability while optimizing dealer profitability. His leadership and expertise help Apex Administrators deliver seamless claims processing, operational excellence, and long-term financial security for its partners.

Andrew Elzayn

VP Business Development

Andrew serves as VP Business Development at Apex. He focuses on identifying growth opportunities, optimizing business strategies, and leveraging data-driven insights to enhance dealer profitability. With a strong analytical background, Andrew plays a key role in financial modeling, program development, and market expansion, ensuring Apex continues to provide innovative and effective solutions for its partners. His strategic approach helps drive long-term success and competitive advantages for dealerships and agents alike.

Anthony Salyer

VP Finance

Anthony serves as VP Finance at Apex, bringing extensive expertise in financial management, reporting, and insurance accounting. He oversees all financial operations, including the production of cession statements, financial analysis, and program profitability tracking. With a keen eye for detail and a deep understanding of F&I financial structures, Anthony ensures that dealerships receive transparent reporting and optimized financial performance. His leadership helps Apex maintain strong fiscal integrity and dealer-focused financial solutions that drive long-term success.

Board room of people watching a presentation

Why choose us?

With over 100 years of combined experience in F&I administration, our leadership team understands what dealerships need to succeed. Unlike traditional TPAs, we are dealer-aligned—focused on maximizing your profitability, streamlining administration, and providing best-in-class products. Whether you're looking to grow your F&I revenue, enhance customer retention, or take ownership in a better TPA model, Apex Administrators is committed to helping you build long-term wealth and success.

Get in touch

We’re here to support dealerships, agents, and contract holders with expert guidance and seamless service. Whether you have questions about our F&I programs, want to explore partnership opportunities, or need help with your contract, reach out to us today.