| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $6K | $14K | 2.43% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD CO. | 1100 SUPERIOR AVE. STE. 1500 C/O OSWALD CENTRE CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.26% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | UNITED AMERICAN INS. CO. MEDICARE SUPPLEMENT | $7K | — | $7K | 12.95% |
| WILLIS TOWERS WATSON US LLC5 Filed as: WILLIS OF TENNESSEE, INC. | 22982 NETWORK PLACE CHICAGO, IL 606731299 | UNITED AMERICAN INS. CO. MEDICARE SUPPLEMENT | $3K | — | $3K | 4.70% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,296 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED AMERICAN INS. CO. MEDICARE SUPPLEMENT | 17 | $56K |
| Dental | DELTA DENTAL OF MICHIGAN | 339 | $140K |
| Vision | VISION SERVICE PLAN | 75 | $5K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,452 | $579K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,452 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.