| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC | PO BOX 2364 STE 400 INDIANAPOLIS, IN 46206 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $20K | — | $20K | 4.96% |
| 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 | $10K | — | $10K | 13.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST 4TH FL NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 4.06% |
| 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 | 1.50% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC | 600 E 96TH ST STE 400 INDIANAPOLIS, IN 46240 | NATIONAL VISION ADMINISTRATORS, LLC | $5K | — | $5K | 10.00% |
| ONI RISK PARTNERS INC3 | PO BOX 2364 INDIANAPOLIS, IN 46206 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 15.00% |
| ONI RISK PARTNERS INC3 | PO BOX 2364 SUITE 200 INDIANAPOLIS, IN 46206 | 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 | $2K | — | $2K | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST 4TH FL NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $969 | $969 | 4.19% |
| 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 | — | $347 | $347 | 1.50% |
| 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 | $2K | — | $2K | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST 4TH FL NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $702 | $702 | 3.21% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECH DBA THREEFLO | 306 W ERIE ST FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $328 | $328 | 1.50% |
| 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 | 13.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST 4TH FL NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $300 | $300 | 3.67% |
| 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 | — | $123 | $123 | 1.50% |
| 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 | $317 | — | $317 | 10.01% |
| 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 | 1.52% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST 4TH FL NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $28 | $28 | 0.88% |
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 | 444 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 444 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 399 | $400K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 770 | $47K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 444 | $102K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 132 | $23K |
| Other(5 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 462 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 770 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.