| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONI RISK PARTNERS INC3 Filed as: ONI INSURANCE GROUP INC | 11711 N MERIDIAN ST SUITE 700 CARMEL, IN 460326977 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC. | PO BOX 2364 INDIANAPOLIS, IN 462062364 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $351 | $4K | 16.50% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC. | P.O. BOX 80159 INDIANAPOLIS, IN 462800519 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $496 | $496 | 2.12% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET 24TH FLOOR SAN FRANCISCO, CA 94104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $106 | $106 | 0.45% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS | DBA EPIC INSURANCE MIDWEST 1111 CHESTNUT HILLS PARKWAY FORT WAYNE, IN 46814 | HCC LIFE INSURANCE COMPANY | $2K | — | $2K | 10.01% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC. | PO BOX 2364 INDIANAPOLIS, IN 462062364 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $87 | $2K | 9.24% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC. | P.O. BOX 80159 INDIANAPOLIS, IN 462800519 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $440 | $440 | 2.51% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVE. #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $329 | $329 | 1.88% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INUSURANCE CENTER | 425 CALIFORNIA STREET 24TH FLOOR SAN FRANCISCO, CA 94104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $91 | $91 | 0.52% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC. | PO BOX 2364 INDIANAPOLIS, IN 462062364 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $69 | $1K | 9.17% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC. | P.O. BOX 80159 INDIANAPOLIS, IN 462800519 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $361 | $361 | 2.54% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVE. #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $269 | $269 | 1.89% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET 24TH FLOOR SAN FRANCISCO, CA 94104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $74 | $74 | 0.52% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC. | PO BOX 2364 INDIANAPOLIS, IN 462062364 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $174 | $17 | $191 | 16.51% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC. | P.O. BOX 80159 INDIANAPOLIS, IN 462800519 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $27 | $27 | 2.33% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET 24TH FLOOR SAN FRANCISCO, CA 94104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $6 | $6 | 0.52% |
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 | 116 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 121 | $21K |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 195 | $69K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 195 | $69K |
| Life insurance(2 contracts, 2 carriers) | NATIONWIDE LIFE INSURANCE COMPANY | 122 | $433K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 27 | $14K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 28 | $18K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 121 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.