| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONI RISK PARTNERS INC3 | PO BOX 80159 INDIANAPOLIS, IN 46280 | UNITED HEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 2.82% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE MIDWEST | 1111 CHESTNUT HILLS PARKWAY FORT WAYNE, IN 46814 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 7.77% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INS SV | 1850 GATEWAY DRIVE SUITE 600 SAN MATEO, CA 944044064 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 6.37% |
| MCKELVEY PHILLIP3 | 10355 RIVERWALK LANE LOVELAND, OH 45140 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $701 | — | $701 | 4.79% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS | PO BOX 80159 INDIANAPOLIS, IN 46280 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $138 | — | $138 | 0.94% |
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 | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 64 | $579K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 148 | $107K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 148 | $107K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 148 | $122K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 148 | $107K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 148 | $107K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 148 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.