| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | AON RISK SERVICES CENTRAL ST LOUIS, MO 63195 | DELTA DENTAL OF MICHIGAN | $8K | — | $8K | 1.97% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC DALLAS | PO BOX 905494 CHARLOTTE, NC 28290 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 3.11% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 8.37% |
| STRATEGIC ENROLLMENT SERVICES INC.3 | 27064 OAKMEAD DRIVE PERRYSBURG, OH 435512657 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $1K | $12K | 10.69% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | PO BOX 1447 PERRYSBURG, IL 600691447 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $95 | $11K | 9.24% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 606750001 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $531 | $531 | 0.46% |
| STRATEGIC ENROLLMENT SERVICES INC.3 | 27064 OAKMEAD DRIVE PERRYSBURG, OH 435512657 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $17 | $2K | 2.25% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 1447 LINCOLNSHIRE, IL 600691447 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $95 | $1K | 1.05% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 606750001 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $257 | $257 | 0.24% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | PO BOX 1447 LINCOLNSHIRE, IL 600691447 | AMERITAS LIFE INSURANCE CORP. | $9K | — | $9K | 10.00% |
| STRATEGIC ENROLLMENT SERVICES INC.3 | 27064 OAKMEAD DRIVE PERRYSBURG, OH 435512657 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $17 | $2K | 2.37% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | PO BOX 1447 LINCOLNSHIRE, IL 600691447 | METROPOLITAN LIFE INSURANCE COMPANY | $731 | $95 | $826 | 1.13% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 606750001 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $183 | $183 | 0.25% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 7.85% |
| STRATEGIC ENROLLMENT SERVICES INC.3 | 27064 OAKMEAD DRIVE PERRYSBURG, OH 435512657 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $1K | $3K | 1721.92% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 1447 LINCOLNSHIRE, IL 600691447 | METROPOLITAN LIFE INSURANCE COMPANY | $456 | $0 | $456 | 312.33% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 606750001 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $178 | $178 | 121.92% |
| STRATEGIC ENROLLMENT SERVICES INC.3 | 27064 OAKMEAD DRIVE PERRYSBURG, OH 435512657 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $829 | $2K | 1600.83% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 1447 LINCOLNSHIRE, IL 600691447 | METROPOLITAN LIFE INSURANCE COMPANY | $371 | $0 | $371 | 306.61% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | METROPOLITAN LIFE INSURANCE COMPANY | — | $129 | $129 | 106.61% |
| UNITED OF OMAHA LIFE INSURANCE CO5 | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $15K | $15K | — |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | — |
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 | 988 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 185 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 591 | $296K |
| Dental | DELTA DENTAL OF MICHIGAN | 1,459 | $385K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 1,119 | $86K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 929 | $323K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 462 | $0 |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 314 | $58K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 929 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,459 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.