| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE MIDWEST | STEVEN SNYDER 600 EAST 96TH STREET, SUITE 400 INDIANAPOLIS, IN 46040 | DELTA DENTAL OF INDIANA | $55K | — | $55K | 2.57% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | MARTIN JOHNSON 1125 SANCTUARY PKWY, SUITE 300 ALPHARETTA, GA 30009 | DELTA DENTAL OF INDIANA | $18K | — | $18K | 0.82% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC. | P. O. BOX 80159 INDIANAPOLIS, IN 46280 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $92K | — | $92K | 7.00% |
| BENEFIT ADVISOR SERVICES GROUP LLC3 Filed as: BENEFIT ADVISOR SERVICES GROUP | 1120 SANCTUARY PKWY, SUITE 375 ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 1.00% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC. | 600 E. 96TH STREET, SUITE 400 P. O. BOX 80159 INDIANAPOLIS, IN 462800159 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32K | — | $32K | 6.00% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | 1120 SANCTUARY PKWY, SUITE 375 ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.00% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC. | P. O. BOX 80159 INDIANAPOLIS, IN 462800159 | METROPOLITAN LIFE INSURANCE COMPANY | $50K | — | $50K | 16.39% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC. | P. O. BOX 80159 INDIANAPOLIS, IN 462800159 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | — | $18K | 16.47% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS | P. O. BOX 80159 INDIANAPOLIS, IN 462800159 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 16.43% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS | P. O. BOX 80159 INDIANAPOLIS, IN 46280 | METROPOLITAN GENERAL INSURANCE CO. | $7K | — | $7K | 13.31% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC. | 925 WABASH AVE., SUITE 200 TERRE HAUTE, IN 47807 | ANTHEM BLUECROSS BLUESHIELD | $41 | — | $41 | 0.11% |
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 | 3,942 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 275 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUECROSS BLUESHIELD | 3 | $37K |
| Dental | DELTA DENTAL OF INDIANA | 6,761 | $2.1M |
| Vision | VISION SERVICE PLAN | 2,717 | $455K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,974 | $1.3M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,893 | $541K |
| Prescription drug | ANTHEM BLUECROSS BLUESHIELD | 3 | $37K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,974 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,761 | — |
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.