| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JON SNEAD3 | 50 LOUIS STREET NW, SUITE 200 GRAND RAPIDS, MI 49503 | PRIORITYHEALTH | $64K | — | $64K | 1.98% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | — | $20K | 5.99% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | DELTA DENTAL OF MICHIGAN | $8K | — | $8K | 2.98% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $302 | $4K | 15.79% |
| GLENN CUNNINGHAM3 | 60 EAGLE VALLEY COURT BROADVIEW HEIGHTS, OH 44147 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $290 | — | $290 | 1.17% |
| DAVID E. SHILLING3 | 815 EAST GRANT STREET HASTINGS, MI 49058 | AFLAC | $601 | — | $601 | 4.94% |
| BENEFIT INNOVATIONS LLP3 Filed as: BENEFIT INNOVATIONS LLC | 5567 MADISON AVENUE HUDSONVILLE, MI 49426 | AFLAC | $392 | — | $392 | 3.22% |
| ERIC J CONDRON3 Filed as: ERIC J. CONDRON | 11358 WILD POND DRIVE SE ROCKFORD, MI 49341 | AFLAC | $216 | — | $216 | 1.78% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $33 | — | $33 | 0.27% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 13.44% |
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 | 466 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 488 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITYHEALTH | 348 | $3.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 870 | $276K |
| Vision | VISION SERVICE PLAN INSURANCE COMPANY | 253 | $66K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 466 | $338K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 466 | $338K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 466 | $363K |
| Prescription drug | PRIORITYHEALTH | 348 | $3.2M |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 466 | $383K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 870 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.