| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: ONB INSURANCE GROUP INC. DBA | INSURANCE AND RISK MANAGEMENT PO BOX 80159 INDIANAPOLIS, IN 462800159 | HEALTH RESOURCES, INC. | $45K | — | $45K | 5.00% |
| ONB INSURANCE GROUP INC.3 Filed as: ONB INSURANCE GROUP, INC. | 600 EAST 96TH STREET PO BOX 80159 INDIANAPOLIS, IN 46280 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $69K | — | $69K | 10.82% |
| INSGROUP INC3 Filed as: ONB INSURANCE GROUP INC. DBA | INSURANCE AND RISK MANAGEMENT PO BOX 80159 INDIANAPOLIS, IN 462800159 | HEALTH RESOURCES, INC. | $19K | — | $19K | 5.00% |
| ONB INSURANCE GROUP INC.3 Filed as: ONB INSURANCE GROUP, INC. | 600 EAST 96TH STREET PO BOX 80159 INDIANAPOLIS, IN 46280 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $33K | — | $33K | 10.82% |
| ONB INSURANCE GROUP INC.3 Filed as: ONB INSURANCE GROUP, INC. | 600 EAST 96TH STREET PO BOX 80159 INDIANAPOLIS, IN 46280 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | — | $17K | 10.82% |
| OLD NATIONAL INSURANCE GROUP3 | 925 WABASH AVE. STE. 200 TERRE HAUTE, IN 47807 | COMMUNITY INSURANCE COMPANY | $192 | — | $192 | 0.18% |
| ONB INSURANCE GROUP INC.3 Filed as: ONB INSURANCE GROUP, INC. | 600 EAST 96TH STREET PO BOX 80159 INDIANAPOLIS, IN 46280 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | — | $15K | 16.23% |
| 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 | $5K | — | $5K | 5.41% |
| ONB INSURANCE GROUP INC.3 | 1111 CHESTNUT HILLS PARKWAY FORT WAYNE, IN 46801 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 5.78% |
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 | 2,747 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 116 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,863 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 13 | $109K |
| Dental(3 contracts, 2 carriers) | HEALTH RESOURCES, INC. | 962 | $1.4M |
| Vision | VISION SERVICE PLAN | 1,403 | $294K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,130 | $792K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,887 | $307K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 13 | $109K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,130 | $334K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,130 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.