| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOME OFFICE TPA PAYS COMMISSION3 Filed as: HOME OFFICE TPA | 475 FALLBROOK BLVD LINCOLN, NE 68521 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $27K | — | $27K | 15.03% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC | 600 E 96TH ST SUITE 400 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $264 | $3K | 5.44% |
| ONI RISK PARTNERS INC3 | PO BOX 80159 INDIANAPOLIS, IN 462800519 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $396 | $396 | 0.66% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC | 600 E 96TH ST SUITE 400 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $214 | $3K | 5.40% |
| ONI RISK PARTNERS INC3 | PO BOX 80159 INDIANAPOLIS, IN 462800519 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $320 | $320 | 0.60% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC | 600 E 96TH ST SUITE 400 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $194 | $3K | 5.38% |
| ONI RISK PARTNERS INC3 | PO BOX 80159 INDIANAPOLIS, IN 462800519 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $291 | $291 | 0.56% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC | 600 E 96TH ST SUITE 400 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 28.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $131 | $2K | 5.43% |
| ONI RISK PARTNERS INC3 | PO BOX 80159 INDIANAPOLIS, IN 462800519 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $197 | $197 | 0.65% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC | 600 E 96TH ST SUITE 400 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $512 | $50 | $562 | 5.49% |
| ONI RISK PARTNERS INC3 | PO BOX 80159 INDIANAPOLIS, IN 462800519 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $74 | $74 | 0.72% |
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 | 252 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 631 | $177K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 631 | $177K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 252 | $60K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 93 | $52K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 92 | $54K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 252 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 631 | — |
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.