| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $16K | $3K | $20K | 7.21% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC. | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 2.01% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $116 | $116 | 0.04% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST INC | C/O NORTHERN TRUST - DB CHICAGO, IL 60675 | DELTA DENTAL OF OHIO | $12K | — | $12K | 4.65% |
| KAPNICK & COMPANY, INC.3 | 1201 BRIARWOOD CR. ANN ARBOR, MI 48108 | DELTA DENTAL OF OHIO | $2K | — | $2K | 0.85% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST INC | 75 REMITTANCE DRIVE DEPT #1446 NORTHERN TRUST BANK CHICAGO, IL 606751446 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $62 | $5K | 9.59% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST, INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $922 | $922 | 1.72% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & CO INC. | 333 INDUSTRIAL DR. ADRIAN, MI 49221 | METROPOLITAN LIFE INSURANCE COMPANY | $416 | $11 | $427 | 0.80% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK INSURANCE GROUP | 1201 BRIARWOOD CIR ANN ARBOR, MI 48108 | METROPOLITAN LIFE INSURANCE COMPANY | — | $10 | $10 | 0.02% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFIT PROGRAMS AN AON CO. | 1 N WHITE HORSE PIKE #2 HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $469 | $6K | 12.67% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $471 | $3 | $474 | 1.05% |
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 | 492 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 495 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 774 | $268K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 442 | $53K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 491 | $274K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 491 | $274K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 491 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 774 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.