| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONI RISK PARTNERS INC Filed as: ONI RISK PARTERS | PO BOX 80159 INDIANAPOLIS, IN 46280 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $4K | — | $4K | 0.65% |
| ONI RISK PARTNERS INC Filed as: ONI RISK PARTNERS, INC. | 600 E 96TH ST STE 400 INDIANAPOLIS, IN 46240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 20.00% |
| ONI RISK PARTNERS INC Filed as: ONI RISK PARTNERS | PO BOX 80159 INDIANAPOLIS, IN 46280 | ANTHEM INSURANCE COMPANIES, INC. | $3K | — | $3K | 12.07% |
| ONI RISK PARTNERS INC Filed as: ONI RISK PARTNERS | 600 E 96TH ST STE 400 INDIANAPOLIS, IN 46240 | UNITED OF OMAHA LIFE INSURANCE CO | $4K | — | $4K | 20.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 6714 POINTE INVERNESS WAY 100 FORT WAYNE, IN 46804 | AMERICAN HERITAGE LIFE INSURANCE CO | $880 | — | $880 | 9.12% |
| ONI RISK PARTNERS INC Filed as: ONI RISK PARTNERS, INC. | 600 E 96TH ST STE 400 INDIANAPOLIS, IN 46240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $911 | — | $911 | 10.00% |
| HYLANT GROUP INC3 | 6714 POINTE INVERNESS WAY 100 FORT WAYNE, IN 46804 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $922 | — | $922 | 12.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 TPA | Claims processing Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $263K |
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 SERVICE PROVIDER | Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | 120 MONUMENT CIRCLE INDIANAPOLIS, IN 46204 | $7K |
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 | 268 | 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) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 243 | $584K |
| Dental | ANTHEM INSURANCE COMPANIES, INC. | 160 | $22K |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 160 | $22K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 268 | $52K |
| Short-term disability(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 268 | $69K |
| Long-term disability(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE CO | 167 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.