| 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 | $231K | $176K | $407K | 5.07% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | SECURIAN LIFE INSURANCE COMPANY | $31K | $25K | $56K | 4.89% |
| AON CONSULTING INC3 | 200 E RANDOLPH STREET, 9TH FLOOR CHICAGO, IL 606010000 | FEDERAL INSURANCE COMPANY | $89K | — | $89K | 12.50% |
| 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 | $19K | 9.13% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 5.07% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 200 E RANDOLPH STREET 9TH FLOOR CHICAGO, IL 60601 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 7.75% |
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 | 25,562 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5,044 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3,067 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 33,673 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,176 | $1.9M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF MICHIGAN | 23 | $459K |
| Vision(3 contracts) | EYEMED VISION CARE | 34,992 | $2.2M |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 33,648 | $9.2M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 145 | $208K |
| Other | FEDERAL INSURANCE COMPANY | 9,310 | $713K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 34,992 | — |
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."
No prospect flags tripped on this filing.