| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONB INSURANCE GROUP INC.3 Filed as: ONB INSURANCE GROUP INC | 600 EAST 96TH STREET P.O. BOX 80159 INDIANAPOLIS, IN 46280 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $30K | — | $30K | 17.24% |
| ONB INSURANCE GROUP INC.3 Filed as: ONB INSURANCE GROUP INC | PO BOX 80159 INDIANAPOLIS, IN 462800519 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $24K | — | $24K | 16.16% |
| GREGORY A MOERCHEN3 | 2512 WEST DR FORT WAYNE, IN 46815 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 15.00% |
| ONI RISK PARTNERS INC3 | 600 E 96TH ST STE 400 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| ONB INSURANCE GROUP INC.3 Filed as: ONB INSURANCE GROUP INC | 1111 CHESTNUT HILLS PKWY FORT WAYNE, IN 46814 | HARTFORD LIFE AND ACCIDENT | $169 | — | $169 | 14.98% |
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 | 1,082 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,088 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 889 | $218K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 502 | $175K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 889 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 889 | — |
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.