Form 5500 · Employee benefit plan · MERRILLVILLE, IN
NISOURCE INC.
The filing calls this plan NISOURCE WELFARE BENEFITS PROGRAM.
NISOURCE INC. of MERRILLVILLE, IN is a 9,318-participant utilities employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is MCGRIFF INSURANCE SERVICES INC. Coverage is written through MINNESOTA LIFE INSURANCE COMPANY - BASIC and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 35-2108964 · plan 537 · plan year 2024, filed Oct 10, 2025
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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
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
Benefits declared on this filing
Also declared: severance, 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.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
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 4 insured contracts covering vision, life and disability; the largest, with MINNESOTA LIFE INSURANCE COMPANY - BASIC, covers 13,234 people.
The filing declares vision, life, disability, health and dental. Health and dental appear with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
Reported premium across the insured contracts is $13,523,934, with $53,694 in disclosed broker commissions — about 0.4% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
MCGRIFF INSURANCE SERVICES INC is the broker of record on 1 of the 4 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| MINNESOTA LIFE INSURANCE COMPANY - BASIC | Life | 13,234 | Jan 1, 2025 | $5,382,596 | $53,694 |
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | Disability | 7,398 | Jan 1, 2025 | $4,370,647 | $0 |
| MINNESOTA LIFE INSURANCE COMPANY - SUPPLEMENTAL | Life | 7,683 | Jan 1, 2025 | $2,580,771 | $0 |
| VISION SERVICE PLAN | Vision | 7,056 | Jan 1, 2025 | $1,189,920 | $0 |
Premium and claims on this contract
VISION SERVICE PLAN, contract 09110513. For the contract year on this filing, the carrier reported $1,189,920 in premium earned and $1,042,300 in claims incurred. Dividing one by the other gives 88%.
- VISION SERVICE PLAN, contract 09110513 reported $148,741 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. We publish company names only.
Reported to OSHA
Reported to OSHA for 2025: 7,931 employees, 60 recordable cases, 1,219 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
One establishment filed under this EIN is left out of these figures: the hours and employees it reported could not both be right.
Other plans filed by this employer
How this plan compares
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Renewal calendar
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