| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS | 600 E 96TH ST STE 400 INDIANAPOLIS, IN 462403842 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $62K | — | $62K | 10.00% |
| STEVEN J. SNYDER3 Filed as: STEVEN J SNYDER | ONI RISK PARTNERS 600 E 96TH ST STE 400 INDIANAPOLIS, IN 462403842 | HEALTH RESOURCES, INC. | $28K | — | $28K | 5.00% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS | 600 E 96TH ST STE 400 INDIANAPOLIS, IN 462403842 | DELTA DENTAL OF INDIANA | $17K | — | $17K | 4.36% |
| STEVEN J. SNYDER3 Filed as: STEVEN J SNYDER | ONI RISK PARTNERS 600 E 96TH ST STE 400 INDIANAPOLIS, IN 462403842 | HEALTH RESOURCES, INC. | $14K | — | $14K | 5.00% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS | 600 E 96TH ST STE 400 INDIANAPOLIS, IN 462403842 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | — | $17K | 6.67% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS | 600 E 96TH ST STE 400 INDIANAPOLIS, IN 462403842 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 6.71% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS | 600 E 96TH ST STE 400 INDIANAPOLIS, IN 462403842 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS | 600 E 96TH ST STE 400 INDIANAPOLIS, IN 462403842 | ANTHEM INSURANCE | $144 | — | $144 | 0.17% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS | 600 E 96TH ST STE 400 INDIANAPOLIS, IN 462403842 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| 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 | $7K | $922 | $8K | 22.73% |
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 | 2,830 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 54 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,884 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE | 12 | $84K |
| Dental(3 contracts, 2 carriers) | HEALTH RESOURCES, INC. | 1,015 | $1.2M |
| Vision | VISION SERVICE PLAN | 1,402 | $296K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,754 | $780K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,621 | $252K |
| Prescription drug | ANTHEM INSURANCE | 12 | $84K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,754 | $384K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,754 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.