| 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 | $59K | — | $59K | 1.09% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $64K | $12K | $76K | 5.91% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET STE 300 HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $116K | $18K | $134K | 23.42% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | P.O. BOX 955909 ST. LOUIS, MO 63195 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $23K | — | $23K | 5.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $4K | $4K | 0.91% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAM | AN AON COMPANY 897 12TH STREET HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $63K | — | $63K | 25.69% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 701 MARKET STREET SUITE 1100 ST. LOUIS, MO 63101 | NATIONAL UNION FIRE INS. CO OF PITTSBURGH, PA | $6K | — | $6K | 20.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE | $1K | — | $1K | — |
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 | 3,741 | 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) | 3,741 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 917 | $5.4M |
| Vision | EYEMED VISION CARE | 5,508 | $0 |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,741 | $1.3M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,579 | $459K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 917 | $5.4M |
| Other(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 3,741 | $846K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,508 | — |
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.