| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $82K | $82K | 0.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GEORGE JOHNSON & COMPANY EIN 38-2029668 NONE KNOWN | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $16K |
| DTE ENERGY CORPORATE SERVICES, LLC EIN 20-5898509 EMPLOYER | Direct payment from the plan; Plan Administrator Service code 14 | — | $12K |
| PLANTE & MORAN, PLLC EIN 38-1357951 NONE KNOWN | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $6K |
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 | 10,611 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13,501 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 24,112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 65,037 | $16.3M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 9,201 | $2.5M |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 65,037 | $16.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 65,037 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.