| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE PLANS LLC3 | 1111 CHESTNUT HILLS PARKWAY FORT WAYNE, IN 46814 | HCC LIFE INSURANCE COMPANY | $15K | — | $15K | 2.00% |
| TMR & ASSOCIATES3 Filed as: TMR & ASSOCIATES INC | 601 ABBOTT ST DETROIT, MI 482262513 | HUMANA INSURANCE COMPANY | $16K | — | $16K | 2.15% |
| BENESYS INC3 | 700 TOWER DR SUITE 300 TROY, MI 480982835 | HUMANA INSURANCE COMPANY | $16K | — | $16K | 2.15% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC. | 1111 CHESTNUT HILLS PARKWAY FORT WAYNE, IN 46814 | HCC LIFE INSURANCE COMPANY | $4K | — | $4K | 3.00% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC. | PO BOX 80159 INDIANAPOLIS, IN 462800519 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 1.66% |
| TMR & ASSOCIATES3 Filed as: TMR & ASSOCIATES INC | 601 ABBOTT ST DETROIT, MI 48226 | HUMANA BENEFIT PLAN OF ILLINOIS INC | $150 | — | $150 | 2.02% |
| BENESYS INC5 | 700 TOWER DR SUITE 300 TROY, MI 48098 | HUMANA BENEFIT PLAN OF ILLINOIS INC | $150 | — | $150 | 2.02% |
| TMR & ASSOCIATES3 Filed as: TMR & ASSOCIATES INC | 601 ABBOTT ST DETROIT, MI 482262513 | HUMANA INSURANCE COMPANY | $100 | — | $100 | 2.02% |
| BENESYS INC3 | 700 TOWER DR SUITE 300 TROY, MI 480982835 | HUMANA INSURANCE COMPANY | $100 | — | $100 | 2.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ACTIVATE HEALTHCARE EIN 27-0908752 | Other services Service code 49 | — | $488K |
| YOUNG AT HEART | Other fees Service code 99 | 3365 GRANGE HALL ROAD HOLLY, MI 48442 | $323K |
| 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 | — | $234K |
| ANTHEM INSURANCE COMPANIES INC EIN 35-0781558 | Contract Administrator; Claims processing; Float revenue; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $132K |
| PLUMBERS & STEAMFITTERS LOCAL 166 EIN 35-1776725 | Participant communication Service code 38 | — | $65K |
| ZELIS EIN 86-1040704 | Claims processing Service code 12 | — | $49K |
| ONI RISK PARTNERS , INC EIN 35-0902251 | Consulting (pension) Service code 17 | — | $45K |
| SULLIVAN, WARD, ASHER & PATTON EIN 38-2384883 | Legal Service code 29 | — | $43K |
| QUEST DIAGNOSTICS EIN 38-1882758 | Other services Service code 49 | — | $38K |
| PARKVIEW HEALTH PLAN SERVICES EIN 35-1996535 | Claims processing Service code 12 | — | $31K |
| ANTHEM HEALTH PLANS OF MAINE INC EIN 31-1705652 | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Contract Administrator; Float revenue Service code 12 | — | $23K |
| WHITINGER & COMPANY LLC EIN 35-0905017 | Accounting (including auditing) Service code 10 | — | $21K |
| VAXSERVE | Other fees Service code 99 | 54 GLENMAURA NATL BLVD SUITE 301 MOOSIC, PA 185072101 | $18K |
| RX HELP CENTERS EIN 46-2125122 | Claims processing Service code 12 | — | $16K |
| AMERICAN GRAPHICS EIN 38-2090931 | Copying and duplicating Service code 36 | — | $14K |
| MCQUEEN INSURANCE GROUP EIN 20-1495393 | Insurance services Service code 23 | — | $11K |
| ANDCO CONSULTING EIN 59-3676225 | Investment advisory (plan) Service code 27 | — | $9K |
| HEALTH EOS BY MULTIPLAN | Other fees Service code 99 | 115 FIFTH AVENUE NEW YORK, NY 10003 | $9K |
| STEFANSKY, HOLLOWAY & NICHOLS INC EIN 38-2388845 | Accounting (including auditing) Service code 10 | — | $8K |
| THERACOM | Other fees Service code 99 | 1195 TRADEMARK DR SUITE 102-C RENO, NV 89521 | $7K |
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 | 654 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 251 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 905 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 675 | $129K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 697 | $62K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 675 | $744K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 697 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.