| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MACLENNAN & BAIN INSURANCE3 Filed as: MACLENNAN & BAIN, INC. | 214 ABERDEEN DRIVE VALPARAISO, IN 46385 | ANTHEM INSURANCE COMPANIES INC. | $34K | — | $34K | 2.35% |
| MACLENNAN & BAIN INSURANCE3 Filed as: MACLENNAN BAIN INC. | 214 ABERDEEN DRIVE VALPARAISO, IN 46385 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.45% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS INC. | P.O. BOX 80159 INDIANAPOLIS, IN 46280 | STANDARD INSURANCE COMPANY | $270 | — | $270 | 0.38% |
| MACLENNEN BAIN INC.3 | 214 ABERDEEN DRIVE VALPARAISO, IN 46385 | STANDARD LIFE INSURANCE | $3K | — | $3K | 4.42% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS INC. | P.O. BOX 80159 INDIANAPOLIS, IN 46280 | STANDARD LIFE INSURANCE | $497 | — | $497 | 0.81% |
| MACLENNAN & BAIN INSURANCE3 Filed as: MACLENNAN BAIN INC. | 214 ABERDEEN DRIVE VALPARAISO, IN 46385 | STANDARD LIFE INSURANCE | $2K | — | $2K | 5.85% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS INC. | P.O. BOX 80159 INDIANAPOLIS, IN 46280 | STANDARD LIFE INSURANCE | $367 | — | $367 | 1.08% |
| MACLENNAN & BAIN INSURANCE3 Filed as: MACLENNAN BAIN INC. | 214 ABERDEEN DRIVE VALPARAISO, IN 46385 | STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.10% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS INC. | P.O. BOX 80159 INDIANAPOLIS, IN 46280 | STANDARD LIFE INSURANCE COMPANY | $635 | — | $635 | 2.24% |
| MACLENNAN & BAIN INSURANCE3 | 214 ABERDEEN DRIVE VALPARAISO, IN 46385 | EYEMED VISION CARE | $1K | — | $1K | 8.42% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE MIDWEST | P.O. BOX 80159 INDIANAPOLIS, IN 46280 | EYEMED VISION CARE | $309 | — | $309 | 2.34% |
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 | 131 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES INC. | 231 | $1.4M |
| Dental | STANDARD INSURANCE COMPANY | 98 | $71K |
| Vision | EYEMED VISION CARE | 192 | $13K |
| Life insurance | STANDARD LIFE INSURANCE | 131 | $34K |
| Short-term disability | STANDARD LIFE INSURANCE | 131 | $62K |
| Long-term disability | STANDARD LIFE INSURANCE COMPANY | 43 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.