| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONI RISK PARTNERS INC3 | 600 E 96TH ST STE 400 INDIANAPOLIS, IN 462403842 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | $3K | $16K | 10.26% |
| ROBBINS MATHERLY DILS AGENCY3 Filed as: ROBBINS-MATHERLY-DILS | PO BOX 80159 INDIANAPOLIS, IN 462800159 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.51% |
| UNIFIED GROUP SERVICES, INC.3 Filed as: UNIFIED GROUP SERVICES | 3131 EAST 67TH STREET ANDERSON, IN 46013 | HCC LIFE INSURANCE COMPANY | $1K | $238 | $2K | 11.80% |
| UNIFIED GROUP SERVICES, INC.3 Filed as: UNIFIED GROUP SERVICES | 3131 EAST 67TH STREET ANDERSON, IN 46013 | HCC LIFE INSURANCE COMPANY | $1K | $206 | $1K | 11.80% |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 137 | $153K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 137 | $153K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 137 | $153K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 137 | $153K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 137 | $153K |
| Other(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 137 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.