| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC. | P.O. BOX 80159 INDIANAPOLIS, IN 46280 | ANTHEM INSURANCE COMPANIES, INC. | $41K | $429 | $41K | 1.91% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE MIDWEST | 1111 CHESTNUT HILLS PARKWAY FORT WAYNE, IN 46814 | THE GUARDIAN LIFE INSURANCE COMPANY | $32K | $4K | $36K | 14.33% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 2734 N MILDRED AVE #3 CHICAGO, IL 60618 | THE GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $4K | 1.50% |
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 | 127 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 297 | $2.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 127 | $251K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 127 | $251K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 127 | $251K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 127 | $251K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 127 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.