Form 5500 · Employee benefit plan · MERRILLVILLE, IN
NISOURCE INC.
The filing calls this plan NISOURCE LIFE AND MEDICAL BENEFITS PROGRAM.
NISOURCE INC. of MERRILLVILLE, IN spreads its employee benefits across 4 insurance carriers, according to its Form 5500 Schedule A. 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 536 · 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
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
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.
Benefits declared on this filing
Health: HEALTH NEW ENGLAND, INC. covers 17 of 12,083 participants (0.1%) on Schedule A.
One contract on this filing does not say which benefits it covers, so a line above may be insured by it.
Also declared: other welfare.
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 health and life; the largest, with MINNESOTA LIFE INSURANCE COMPANY - BASIC, covers 13,234 people.
The filing declares health, life and disability. Disability appears with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on the contract here that does not say what it covers.
Reported premium across the insured contracts is $8,462,659, with $80,613 in disclosed broker commissions — about 1% 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 2 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 |
| MINNESOTA LIFE INSURANCE COMPANY | — | 5,177 | Jan 1, 2025 | $243,623 | $24,362 |
| HEALTH NEW ENGLAND, INC. | Health | 17 | Jan 1, 2025 | $255,669 | $2,557 |
| MINNESOTA LIFE INSURANCE COMPANY - SUPPLEMENTAL | Life | 7,683 | Jan 1, 2025 | $2,580,771 | $0 |
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.
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.
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.
Other plans filed by this employer
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