| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SNEAD, JON3 | 50 LOUIS ST. NE SUITE 200 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $123K | — | $123K | 1.97% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 50 LOUIS STREET NW SUITE 200 GRAND RAPIDS, MI 495032633 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $51K | — | $51K | 5.42% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 50 LOUIS STREET NW SUITE 200 GRAND RAPIDS, MI 49503 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | — | $19K | 5.42% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 905494 CHARLOTTE, NC 282905494 | EYEMED VISION CARE | $17K | — | $17K | 9.16% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | 50 LOUIS STREET NW SUITE 200 GRAND RAPIDS, MI 49503 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.42% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $157 | $3K | 15.72% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTAL, INC. | PO BOX 905494 CHARLOTTE, NC 282905494 | EYEMED VISION CARE | $108 | — | $108 | 9.34% |
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 | 2,198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 1,762 | $6.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 5,211 | $1.6M |
| Vision(2 contracts) | EYEMED VISION CARE | 4,215 | $188K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,314 | $946K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,438 | $348K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,314 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,211 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.