| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 50 LOUIS STREET NW SUITE 200 GRAND RAPIDS, MI 49503 | BLUE CARE NETWORK OF MICHIGAN | $53K | — | $53K | 0.99% |
| 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 | $41K | $8K | $49K | 5.94% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET STE 300 HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $124K | — | $124K | 27.25% |
| 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 | $18K | $3K | $21K | 5.85% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE | $1K | — | $1K | 0.82% |
| 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 | $5K | $852 | $6K | 5.85% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 2405 GRAND BLVD, SUITE 900 KANSAS CITY, MO 64108 | ZURICH AMERICAN INSURANCE COMPANY | $6K | — | $6K | 20.00% |
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 | 2,916 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,916 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 1,051 | $5.3M |
| Vision | EYEMED VISION CARE | 4,814 | $163K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,704 | $826K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,914 | $366K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 1,051 | $5.3M |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,704 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,814 | — |
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.