| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC. | 1111 CHESTNUT HILLS PARKWAY FORT WAYNE, IN 46814 | NATIONWIDE LIFE INSURANCE COMPANY | — | $31K | $31K | 6.50% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC. | 1111 CHESTNUT HILLS PARKWAY FORT WAYNE, IN 46814 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $1K | $11K | 16.87% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $224 | $4K | 5.34% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC. | 1111 CHESTNUT HILLS PARKWAY FORT WAYNE, IN 46814 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $885 | $11K | 16.34% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $506 | $4K | 5.77% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC. | 1111 CHESTNUT HILLS PARKWAY FORT WAYNE, IN 46814 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $775 | $10K | 16.31% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $201 | $3K | 5.34% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC. | 1111 CHESTNUT HILLS PARKWAY FORT WAYNE, IN 46814 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $513 | $20 | $533 | 15.58% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $171 | $9 | $180 | 5.26% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 220 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 335 | $132K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 264 | $59K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 222 | $472K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 264 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.