| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC. | PO BOX 1705 FORT WAYNE, IN 468011705 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $19K | — | $19K | 3.00% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC. | PO BOX 1705 FORT WAYNE, IN 468011705 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $4K | — | $4K | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ACTIVATE HEALTHCARE EIN 27-0908752 | Other services Service code 49 | — | $702K |
| BENESYS, INC EIN 38-2383171 | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Copying and duplicating; Plan Administrator; Contract Administrator Service code 12 | — | $218K |
| YOUNG AT HEART | Other fees Service code 99 | 3365 GRANGE HALL ROAD HOLLY, MI 48442 | $109K |
| PREMIER HEALTH EXCHANGE EIN 86-1040704 | Claims processing Service code 12 | — | $96K |
| PLUMBERS & STEAMFITTERS LOCAL 166 EIN 35-1776725 | Participant communication Service code 38 | — | $56K |
| PARKVIEW HEALTH PLAN SERVICES EIN 35-1996535 | Claims processing Service code 12 | — | $53K |
| ONB INSURANCE GROUP, INC EIN 35-0902251 | Consulting (pension) Service code 17 | — | $45K |
| RX HELP CENTERS EIN 46-2125122 | Claims processing Service code 12 | — | $35K |
| SULLIVAN, WARD, ASHER & PATTON EIN 38-2384883 | Legal Service code 29 | — | $34K |
| QUEST DIAGNOSTICS EIN 38-1882758 | Other services Service code 49 | — | $33K |
| AMERICAN GRAPHICS EIN 38-2090931 | Copying and duplicating Service code 36 | — | $20K |
| WHITINGER & COMPANY LLC EIN 35-0905017 | Accounting (including auditing) Service code 10 | — | $16K |
| ANDCO CONSULTING EIN 59-3676225 | Investment advisory (plan) Service code 27 | — | $12K |
| MCQUEEN INSURANCE GROUP EIN 20-1495393 | Insurance services Service code 23 | — | $11K |
| CUNI, RUST & STRENK EIN 31-1227755 | Actuarial Service code 11 | — | $10K |
| FIFTH THIRD BANK | Custodial (securities); Other fees Service code 19 | 5050 KINGLEY DRIVE CINCINNATI, OH 45263 | $10K |
| BMI AUDIT SERVICES LLC EIN 35-2051914 | Claims processing Service code 12 | — | $9K |
| STEFANSKY, HOLLOWAY & NICHOLS INC EIN 38-2388845 | Accounting (including auditing) Service code 10 | — | $9K |
| AON CONSULTING, INC | Consulting (general) Service code 16 | 29695 NETWORK PLACE CHICAGO, IL 606731296 | $5K |
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 | 607 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 242 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 849 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | 647 | $136K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 734 | $67K |
| Stop-loss / reinsurancereinsurance | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | 647 | $646K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 734 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.