| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONI RISK PARTNERS INC3 | P.O. BOX 80159 INDIANAPOLIS, IN 46280 | ANTHEM INSURANCE COMPANIES, INC. | $37K | — | $37K | 3.28% |
| ONI RISK PARTNERS INC3 | 600 E 96TH STREET SUITE 400 INDIANAPOLIS, IN 46240 | PARAMOUNT DENTAL | $4K | — | $4K | 8.38% |
| LINC HOLDINGS LLC3 | 170N PERRY RD, SUITE 198 PLAINFIELD, IN 46168 | PARAMOUNT DENTAL | $756 | — | $756 | 1.48% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC. | 600 E 96TH STREET SUITE 400 INDIANAPOLIS, IN 46240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 13.65% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC. | 600 E 96TH STREET SUITE 400 INDIANAPOLIS, IN 46240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $775 | — | $775 | 9.14% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC. | 600 E 96TH STREET SUITE 400 INDIANAPOLIS, IN 46240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $628 | — | $628 | 13.82% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC. | 600 E 96TH STREET SUITE 400 INDIANAPOLIS, IN 46240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $524 | — | $524 | 13.62% |
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 | 144 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 90 | $1.1M |
| Dental | PARAMOUNT DENTAL | 92 | $51K |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 89 | $2K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 147 | $29K |
| Short-term disability(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 147 | $37K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 147 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.