Form 5500 · Employee benefit plan · INDIANAPOLIS, IN
IBA GROUP INSURANCE TRUST
IBA GROUP INSURANCE TRUST of INDIANAPOLIS, IN spreads its employee benefits across 5 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is ERTEL & COMPANY, INC.. Coverage is written through EXCESS REINSURANCE UNDERWRITERS and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 35-6259970 · plan 501 · plan year 2025, filed Jun 12, 2026
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1,291 other employer plans in Indiana have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Self-funded as reported
The filing reports benefits paid from the plan's own money, and no medical insurance contract on Schedule A.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
The filing says this plan is subject to the Form M-1 requirement for multiple-employer welfare arrangements.
Benefits declared on this filing
Health: ANTHEM BLUE CROSS BLUE SHIELD covers 1 of 2,663 participants (under 0.1%) on Schedule A.
Also declared: death benefits.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 5 insured contracts covering health, dental, vision, life, disability and stop-loss; the largest, with EXCESS REINSURANCE UNDERWRITERS, covers 2,911 people.
The medical plan carries stop-loss coverage: the filing reports the plan paying its own health claims, with insured protection against large ones.
Reported premium across the insured contracts is $5,872,015, with $65,553 in disclosed broker commissions — about 1.1% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in April. The plan is on a split renewal cycle.
ERTEL & COMPANY, INC. is the broker of record on 1 of the 5 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| DELTA DENTAL OF INDIANA | Dental | 3,523 | May 1, 2025 | $1,253,881 | $52,318 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Life, Disability | 293 | May 1, 2025 | $272,053 | $13,235 |
| EXCESS REINSURANCE UNDERWRITERS | Stop-loss | 2,911 | May 1, 2025 | $4,194,326 | $0 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Vision | 2,874 | May 1, 2025 | $150,987 | $0 |
| ANTHEM BLUE CROSS BLUE SHIELD | Health | 1 | Jan 1, 2025 | $768 | $0 |
Premium and claims on this contract
DELTA DENTAL OF INDIANA, contract 10075. For the contract year on this filing, the carrier reported $1,253,881 in premium earned and $1,096,366 in claims incurred. Dividing one by the other gives 87%.
- DELTA DENTAL OF INDIANA, contract 10075 reported $166,013 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. The service providers are named on Schedule C of this filing. We publish company names only.
Money the plan held and paid out
Sourced from U.S. DOL EFAST2 Form 5500 · Schedule H
These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.
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Renewal calendar
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