| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SNEAD, JON3 | 50 LOUIS STREET NW SUITE 200 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $120K | — | $120K | 1.98% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 50 LOUIS STREET NW SUITE 200 GRAND RAPIDS, MI 455032633 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $50K | $5K | $55K | 5.47% |
| 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 | $2K | $20K | 5.46% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE | $16K | — | $16K | 9.08% |
| 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 | $3K | $322 | $4K | 5.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.36% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE | $92 | — | $92 | 8.18% |
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 | 2,278 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 1,552 | $6.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 5,176 | $1.8M |
| Vision(2 contracts) | EYEMED VISION CARE | 4,215 | $178K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,477 | $1.0M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,527 | $375K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,477 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,176 | — |
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.