| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONI RISK PARTNERS INC3 | 925 WABASH AVENUE SUITE 200 TERRE HAUTE, IN 47807 | ANTHEM INSURANCE COMPANIES, INC. | $38K | — | $38K | 1.77% |
| ONI RISK PARTNERS INC3 | PO BOX 1488 TERRE HAUTE, IN 47808 | ANTHEM INSURANCE COMPANIES, INC. | $6K | — | $6K | 0.30% |
| INDIANA CHAMBER INSURANCE AGENCY3 | 115 WEST WASHINGTON ST SUITE 850S INDIANAPOLIS, IN 46204 | ANTHEM INSURANCE COMPANIES, INC. | $1K | — | $1K | 0.05% |
| ONI RISK PARTNERS INC3 | 1111 CHESTNUT HILLS PARKWAY FORT WAYNE, IN 46814 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | $9K | $28K | 14.11% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS INC - PATRICK CAR | PO BOX 80159 INDIANAPOLIS, IN 46280 | DELTA DENTAL OF INDIANA | $11K | — | $11K | 9.43% |
| ONI RISK PARTNERS INC3 | 925 WABASH AVENUE SUITE 200 TERRE HAUTE, IN 47807 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $107 | $107 | 1.76% |
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 | 270 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 210 | $2.1M |
| Dental | DELTA DENTAL OF INDIANA | 206 | $113K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 263 | $199K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 263 | $199K |
| Short-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 270 | $205K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 263 | $199K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 263 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.