| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | SECURIAN LIFE INSURANCE COMPANY | $223K | $175K | $397K | 5.14% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $168K | $106K | $275K | 7.47% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD CO. | C/O OSWALD CENTRE 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | — | $27K | $27K | 0.73% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | SECURIAN LIFE INSURANCE COMPANY | $31K | $26K | $57K | 4.96% |
| AON CONSULTING INC3 | 200 E RANDOLPH STREET, 9TH FLOOR CHICAGO, IL 606010000 | FEDERAL INSURANCE COMPANY | $105K | — | $105K | 13.49% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $6K | $14K | 2.43% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD CO. | C/O OSWALD CENTRE 1100 SUPERIOR AVE. STE. 1500 CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.26% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $4K | $20K | 9.00% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.21% |
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 | 25,579 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,424 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3,868 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 33,871 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 36 | $240K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 1,128 | $415K |
| Vision(3 contracts) | EYEMED VISION CARE - FIDELITY SECURITY LIFE INSURANCE COMPANY | 35,616 | $2.1M |
| Life insurance(4 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 37,541 | $13.1M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $217K |
| Other | FEDERAL INSURANCE COMPANY | 10,272 | $775K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 37,541 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.