| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 4220 DUNCAN AVE. ST LOUIS, MO 63195 | DELTA DENTAL OF MICHIGAN | $8K | — | $8K | 1.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 330 W COLLEGE AVE APPLETON, WI 54911 | DELTA DENTAL OF MICHIGAN | $713 | — | $713 | 0.17% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 2.47% |
| AON CONSULTING INC3 | 200 E RANDOLPH ST CHICAGO, IL 60601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $573 | — | $573 | 0.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 333 BRIDGE ST NW STE 710 GRAND RAPIDS, MI 49504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $249 | — | $249 | 0.11% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 1447 LINCOLNSHIRE, IL 60069 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $112 | $15K | 11.62% |
| STRATEGIC ENROLLMENT SERVICES INC.3 | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $9K | 6.45% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | METROPOLITAN LIFE INSURANCE COMPANY | — | $576 | $576 | 0.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 32059 COLLECTION CENTER DR CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $34 | $34 | 0.03% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 6.18% |
| AON CONSULTING INC3 | 200 E RANDOLPH ST CHICAGO, IL 60601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 333 BRIDGE ST NW STE 710 GRAND RAPIDS, MI 49504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $820 | — | $820 | 0.66% |
| STRATEGIC ENROLLMENT SERVICES INC.3 | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $19 | $4K | 3.78% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO LLC | 3900 KINROSS LAKES PKWY STE 300 RICHFIELD, OH 44286 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 2.48% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | PO BOX 1447 PERRYSBURG, IL 60069 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $112 | $2K | 1.71% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE 1446 CHICAGO, IL 60675 | METROPOLITAN LIFE INSURANCE COMPANY | — | $711 | $711 | 0.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 32059 COLLECTION CENTER DR CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $34 | $34 | 0.03% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | PO BOX 1447 LINCOLNSHIRE, IL 60069 | AMERITAS LIFE INSURANCE CORP. | $8K | — | $8K | 8.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 5440 W 110TH ST STE 300 LEAWOOD, KS 66211 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 1.58% |
| STRATEGIC ENROLLMENT SERVICES INC.3 | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $19 | $3K | 3.36% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO LLC | 3900 KINROSS LAKES PKWY STE 300 RICHFIELD, OH 44286 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.66% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | PO BOX 1447 LINCOLNSHIRE, IL 60069 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $112 | $1K | 1.56% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | METROPOLITAN LIFE INSURANCE COMPANY | — | $478 | $478 | 0.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 32059 COLLECTION CENTER DR CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $34 | $34 | 0.04% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 5.77% |
| AON CONSULTING INC3 | 200 E RANDOLPH ST CHICAGO, IL 60601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $566 | — | $566 | 0.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 333 BRIDGE ST NW STE 710 GRAND RAPIDS, MI 49504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $115 | — | $115 | 0.17% |
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 | 842 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 277 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 1,446 | $432K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 1,207 | $98K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 875 | $349K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 317 | $70K |
| Other(5 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 875 | $559K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,446 | — |
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.