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Form 5500 · Employee benefit plan · INDIANAPOLIS, IN

THE HERITAGE GROUP HEALTH PLAN BENEFITS COMMITTEE

The filing calls this plan THE HERITAGE GROUP HEALTH PLAN.

THE HERITAGE GROUP HEALTH PLAN BENEFITS COMMITTEE 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 AND BENEFITS - IND. Coverage is written through ANTHEM INSURANCE COMPANIES, INC. and 2 other carriers. The plan's most recent policy period ended in December.

Benefits broker of record
MERCER HEALTH AND BENEFITS - IND
Insurance carrier
ANTHEM INSURANCE COMPANIES, INC.
Policy year ends
Decemberas filed for plan year 2024

Sourced from U.S. DOL EFAST2 Form 5500 · EIN 35-1448549 · plan 601 · plan year 2024, filed Oct 15, 2025

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How this plan is funded

Fully insured as reported

The plan's own financial statement reports paying insurance carriers about what the insurance contracts report in premium.

The filing says this plan is subject to the Form M-1 requirement for multiple-employer welfare arrangements.

All participants at the start of the year
0
Active at start of year
0
Active at end of year
3,148
Disclosed commissions
$256,910
Typical renewal
January 1

Benefits declared on this filing

Healthinsured — ANTHEM INSURANCE COMPANIES, INC.3,304 covered
Dentalinsured — DELTA DENTAL OF INDIANA7,867 covered
Visioninsured — ANTHEM INSURANCE COMPANIES, INC.3,304 covered
Lifedeclared, no contract here says it covers this
Disabilityinsured — UNUM LIFE INSURANCE COMPANY OF AMERICA8,302 covered on the largest contract

4 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.

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 8 insured contracts covering health, dental, vision and disability; the largest, with ANTHEM INSURANCE COMPANIES, INC., covers 3,304 people.

The filing declares health, dental, vision, disability and life. Life 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 one of the 4 contracts here that do not say what they cover.

Reported premium across the insured contracts is $70,477,401, with $256,910 in disclosed broker commissions — about 0.4% of premium.

The health contract's policy period ended in December, while at least one ancillary line's policy period ended in January. The plan is on a split renewal cycle.

MERCER HEALTH AND BENEFITS - IND is the broker of record on 4 of the 8 contracts; the rest name a different broker or none.

Schedule A insurance contracts

CarrierBenefitsCoveredRenewsPremiumCommission
UNUM LIFE INSURANCE COMPANY OF AMERICADisability8,302Jan 2, 2025$4,687,009$158,289
UNUM LIFE INSURANCE COMPANY OF AMERICA—1,341Jan 2, 2025$239,966$41,233
UNUM LIFE INSURANCE COMPANY OF AMERICA—2,679Jan 2, 2025$261,574$27,996
UNUM LIFE INSURANCE COMPANY OF AMERICADisability117Jan 2, 2025$92,979$15,109
UNUM LIFE INSURANCE COMPANY OF AMERICA—1,704Jan 2, 2025$374,487$10,916
DELTA DENTAL OF INDIANADental7,867Jan 1, 2025$2,413,963$3,303
UNUM LIFE INSURANCE COMPANY OF AMERICA—6Jan 2, 2025$805$64
ANTHEM INSURANCE COMPANIES, INC.Health, Vision3,304Jan 1, 2025$62,406,618$0

Premium and claims on this contract

DELTA DENTAL OF INDIANA, contract 0001200. For the contract year on this filing, the carrier reported $2,340,214 in premium earned and $2,261,099 in claims incurred. Dividing one by the other gives 97%.

  • DELTA DENTAL OF INDIANA, contract 0001200 reported $296,122 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.

See the filing at the Department of Labor

Money the plan held and paid out

Plan assets at year end
$5,491,501
Paid out in benefits
$74,722,819
Paid to insurance carriersSchedule H, line 2e(2)
$70,882,112
Accountant's opinion (Schedule H, line 3a)
Unmodified
Audit fee
$26,500

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

Life & Accident Insurance Benefit PlanInsured benefit plan · 1 Schedule A contractRenews ~Feb 1Disability Benefits PlanInsured benefit plan · 4 Schedule A contractsRenews ~Feb 1

How this plan compares

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