| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE MIDWEST | 600 EAST 96TH ST SUITE 400 INDIANAPOLIS, IN 46240 | DELTA DENTAL OF INDIANA | $89K | — | $89K | 3.15% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1125 SANCTUARY PKWY SUITE 300 ALPHARETTA, GA 30009 | DELTA DENTAL OF INDIANA | $30K | — | $30K | 1.05% |
| ONI RISK PARTNERS INC3 | 600 E 96TH ST SUITE 400 INDIANAPOLIS, IN 46280 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $107K | $31K | $138K | 9.00% |
| BENEFIT ADVISORS SERVICE GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICE GROUP | 1120 SANCTUARY PKWY STE 375 ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 1.00% |
| ONI RISK PARTNERS INC3 | 600 E 96TH ST STE 400 INDIANAPOLIS, IN 462800159 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | $11K | $44K | 8.00% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | 1120 SANCTUARY PKWY STE 375 ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 1.00% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS | 600 E 96TH ST STE 400 INDIANAPOLIS, IN 462800159 | UNUM INSURANCE COMPANY | $58K | $17K | $75K | 22.00% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC | 600 E 96TH ST STE 400 INDIANAPOLIS, IN 462800159 | UNUM INSURANCE COMPANY | $25K | $7K | $32K | 22.97% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC | 600 E 96TH ST STE 400 INDIANAPOLIS, IN 462800159 | UNUM INSURANCE COMPANY | $17K | $5K | $22K | 20.21% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS | PO BOX 80159 INDIANAPOLIS, IN 46280 | METROPOLITAN GENERAL INSURANCE COMPANY | $9K | $49 | $9K | 10.94% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 11711 NORTH MERIDIAN ST SUITE 700 CARMEL, IN 46032 | ANTHEM BLUE CROSS AND BLUE SHIELD | $24 | — | $24 | 0.13% |
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 | 4,115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 212 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS AND BLUE SHIELD | 2 | $18K |
| Dental | DELTA DENTAL OF INDIANA | 6,881 | $2.8M |
| Vision | VISION SERVICE PLAN | 2,844 | $494K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,115 | $1.5M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,809 | $550K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,115 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,881 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.