| 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 | — | $41K | 3.00% |
| MACLENNAN & BAIN INSURANCE3 Filed as: MACLENNAN & BAIN, INC. | 214 ABERDEEN DRIVE VALPARAISO, IN 46385 | ANTHEM INSURANCE COMPANIES INC. | -$64 | — | -$64 | -0.00% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS INC. | P.O. BOX 80159 INDIANAPOLIS, IN 46280 | STANDARD LIFE INSURANCE | $3K | — | $3K | 5.12% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS INC. | P.O. BOX 80159 INDIANAPOLIS, IN 46280 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.15% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS INC. | P.O. BOX 80159 INDIANAPOLIS, IN 46280 | STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.47% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS INC. | P.O. BOX 80159 INDIANAPOLIS, IN 46280 | STANDARD LIFE INSURANCE | $2K | — | $2K | 7.26% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE MIDWEST | P.O. BOX 80159 INDIANAPOLIS, IN 46280 | EYEMED VISION CARE | $1K | — | $1K | 10.00% |
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 | 126 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES INC. | 225 | $1.4M |
| Dental | STANDARD INSURANCE COMPANY | 98 | $62K |
| Vision | EYEMED VISION CARE | 185 | $11K |
| Life insurance | STANDARD LIFE INSURANCE | 126 | $31K |
| Short-term disability | STANDARD LIFE INSURANCE | 126 | $63K |
| Long-term disability | STANDARD LIFE INSURANCE COMPANY | 54 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.