| 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 | $68K | — | $68K | 3.00% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1125 SANCTUARY PKWY SUITE 300 ALPHARETTA, GA 30009 | DELTA DENTAL OF INDIANA | $23K | — | $23K | 1.00% |
| ONI RISK PARTNERS INC3 | 600 E 96TH ST SUITE 400 INDIANAPOLIS, IN 46280 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $93K | $920 | $94K | 7.07% |
| 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 | $13K | — | $13K | 1.00% |
| ONI RISK PARTNERS INC3 | 600 E 96TH ST STE 400 INDIANAPOLIS, IN 462800159 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $35K | $372 | $36K | 6.06% |
| 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 | PO BOX 80159 INDIANAPOLIS, IN 462800159 | METROPOLITAN LIFE INSURANCE COMPANY | $76K | — | $76K | 21.33% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS | PO BOX 80159 INDIANAPOLIS, IN 462800159 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | — | $26K | 21.39% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS | PO BOX 80159 INDIANAPOLIS, IN 462800159 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | — | $21K | 21.59% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS | PO BOX 80159 INDIANAPOLIS, IN 46280 | METROPOLITAN GENERAL INSURANCE COMPANY | $7K | — | $7K | 10.38% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 11711 NORTH MERIDIAN ST SUITE 700 CARMEL, IN 46032 | ANTHEM BLUE CROSS AND BLUE SHIELD | $18 | — | $18 | 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 | 3,931 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 268 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,430 | $238K |
| Dental | DELTA DENTAL OF INDIANA | 6,693 | $2.3M |
| Vision | VISION SERVICE PLAN | 2,711 | $478K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,007 | $1.3M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,880 | $589K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,007 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,693 | — |
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.