Form 5500 · Employee benefit plan · PORTAGE, MI
ONSTAFF GROUP, LLC
The filing calls this plan ONSTAFF GROUP, LLC ESSENTIAL STAFFCARE.
ONSTAFF GROUP, LLC of PORTAGE, MI spreads its employee benefits across 3 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is INSURANCE APPLICATIONS GROUP. Coverage is written through BCS INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in May.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-3582277 · plan 510 · plan year 2024, filed Aug 29, 2024
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How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
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.
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 5 insured contracts covering health, dental, vision, life and disability.
Reported premium across the insured contracts is $99,972, with $20,529 in disclosed broker commissions — about 21% of premium.
The most recent policy period ended in May, and the plan year ends May 26. Group contracts typically renew on that annual cycle.
INSURANCE APPLICATIONS GROUP is the broker of record on 4 of the 5 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including BCS INSURANCE COMPANY, BCBS INSURANCE and 4 EVER LIFE INSURANCE COMPANY. BCS INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BCS INSURANCE COMPANY | Health | 0 | May 27, 2024 | $61,662 | $11,716 |
| BCS INSURANCE COMPANY | Dental | 0 | May 27, 2024 | $24,642 | $5,668 |
| BCBS INSURANCE | Vision | 0 | May 27, 2024 | $9,836 | $2,263 |
| 4 EVER LIFE INSURANCE COMPANY | Disability | 0 | May 27, 2024 | $3,270 | $753 |
| 4 EVER LIFE INSURANCE COMPANY | Life | 0 | May 27, 2024 | $562 | $129 |
Premium and claims on these contracts
BCS INSURANCE COMPANY, contract PAI M-3114700. For the contract year on this filing, the carrier reported $61,662 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
BCS INSURANCE COMPANY, contract PAI-D-3114700. For the contract year on this filing, the carrier reported $24,642 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
BCBS INSURANCE, contract PAI-V-3114700. For the contract year on this filing, the carrier reported $9,836 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
4 EVER LIFE INSURANCE COMPANY, contract PAI-L-3114700. For the contract year on this filing, the carrier reported $3,270 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
4 EVER LIFE INSURANCE COMPANY, contract PAI-L-3114700. For the contract year on this filing, the carrier reported $562 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
- BCS INSURANCE COMPANY, contract PAI M-3114700 reported $0 in retention.
- BCS INSURANCE COMPANY, contract PAI-D-3114700 reported $0 in retention.
- BCBS INSURANCE, contract PAI-V-3114700 reported $0 in retention.
- 4 EVER LIFE INSURANCE COMPANY, contract PAI-L-3114700 reported $0 in retention.
- 4 EVER LIFE INSURANCE COMPANY, contract PAI-L-3114700 reported $0 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.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
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