| 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 | $80K | — | $80K | 2.42% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | DELTA DENTAL OF INDIANA | $30K | — | $30K | 0.91% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS,INC DBA EPIC MIDW | 600 EAST 96TH ST SUITE 400 INDIANAPOLIS, IN 46240 | DELTA DENTAL OF INDIANA | $18K | — | $18K | 0.54% |
| ONI RISK PARTNERS INC3 | 600 E 96TH ST SUITE 400 INDIANAPOLIS, IN 46280 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $147K | $42K | $189K | 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 | $21K | — | $21K | 1.00% |
| ONI RISK PARTNERS INC3 | 600 E 96TH ST STE 400 INDIANAPOLIS, IN 462800159 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $48K | $16K | $64K | 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 | $8K | — | $8K | 1.00% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS | 600 E 96TH ST STE 400 INDIANAPOLIS, IN 462800159 | UNUM INSURANCE COMPANY | $88K | $16K | $104K | 20.05% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC | 600 E 96TH ST STE 400 INDIANAPOLIS, IN 462800159 | UNUM INSURANCE COMPANY | $35K | $6K | $42K | 21.28% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC | 600 E 96TH ST STE 400 INDIANAPOLIS, IN 462800159 | UNUM INSURANCE COMPANY | $26K | $5K | $31K | 21.60% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS | PO BOX 80159 INDIANAPOLIS, IN 46280 | METROPOLITAN GENERAL INSURANCE COMPANY | $11K | — | $11K | 9.35% |
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 | 5,031 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 412 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,443 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 9,041 | $3.3M |
| Vision | VISION SERVICE PLAN | 3,485 | $580K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,031 | $2.1M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,592 | $795K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,031 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,041 | — |
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.