| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC | 600 E 96TH ST STE 400 INDIANAPOLIS, IN 46240 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $18K | — | $18K | 4.95% |
| INSGROUP INC3 Filed as: ONB INS GROUP, INC DBA ONI RISK PA | 600 E 96TH ST SUITE 400 INDIANAPOLIS, IN 46240 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 11.86% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECH INC DBA THREEFLO | 306 W ERIE ST FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 0.98% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC | 600 E 96TH ST STE 400 INDIANAPOLIS, IN 46240 | NATIONAL VISION ADMINISTRATORS, LLC | $4K | — | $4K | 10.00% |
| INSGROUP INC3 Filed as: ONB INSURANCE GROUP INC D | 925 WABASH AVE SUITE 200 TERRE HAUTE, IN 47807 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 15.00% |
| INSGROUP INC3 Filed as: ONB INSURANCE GROUP INC D | 925 WABASH AVE SUITE 200 TERRE HAUTE, IN 47807 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 15.00% |
| INSGROUP INC3 Filed as: ONB INS GROUP INC DBA ONI RISK PA | 600 E 96TH ST SUITE 400 INDIANAPOLIS, IN 46240 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 9.26% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECH INC DBA THREEFLO | 306 W ERIE ST FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $366 | $366 | 0.99% |
| INSGROUP INC3 Filed as: ONB INS GROUP, INC DBA ONI RISK PA | 600 E 96TH ST SUITE 400 INDIANAPOLIS, IN 46240 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 9.44% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECH DBA THREEFLO | 306 W ERIE ST FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $237 | $237 | 0.87% |
| INSGROUP INC3 Filed as: ONB INS GROUP, INC DBA ONI RISK PA | 600 E 96TH ST SUITE 400 INDIANAPOLIS, IN 46240 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 11.88% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECH INC DBA THREEFLO | 306 W ERIE ST FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $109 | $109 | 1.02% |
| INSGROUP INC3 Filed as: ONB INS GROUP INC DBA ONI RISK PA | 600 E 96TH STREET SUITE 400 INDIANAPOLIS, IN 46240 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $446 | — | $446 | 9.24% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECH INC DBA THREEFLO | 306 W ERIE ST FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $48 | $48 | 0.99% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | AETNA INTERNATIONAL | $150 | — | $150 | 15.00% |
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 | 483 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 483 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 411 | $363K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 779 | $45K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 483 | $144K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 160 | $37K |
| Other(5 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 678 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 779 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.