Form 5500 · Employee benefit plan · INDIANAPOLIS, IN
THE HERITAGE GROUP
The filing calls this plan THE HERITAGE GROUP DISABILITY BENEFITS PLAN.
THE HERITAGE GROUP of INDIANAPOLIS, IN files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is MERCER HEALTH & BENEFITS - IND. Coverage is written through UNUM LIFE INSURANCE COMPANY OF AMERICA. The plan's most recent policy period ended in January.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 35-1448549 · plan 504 · plan year 2023, filed Sep 4, 2024
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29 other employer plans in Indiana have policy years ending in January. 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: 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
All 4 insured contracts are disability coverage with UNUM LIFE INSURANCE COMPANY OF AMERICA.
Reported premium across the insured contracts is $2,361,708, with $59,025 in disclosed broker commissions — about 2.5% of premium.
The most recent policy period ended in January, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
MERCER HEALTH & BENEFITS - IND is the broker of record on 3 of the 4 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Disability | 3,684 | Jan 2, 2024 | $2,165,445 | $27,068 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Disability | 124 | Jan 2, 2024 | $103,451 | $16,811 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 1,981 | Jan 2, 2024 | $48,786 | $12,468 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 3,033 | Jan 2, 2024 | $44,026 | $2,678 |
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.
Other plans filed by this employer
How this plan compares
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Renewal calendar
29 other employer plans in Indiana are February 1 renewals (policy year ends January).
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