| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVCIES, LLC | 200 SUMMIT LAKE DRIVE, SUITE 350 VALHALLA, NY 10595 | PRIORITY HEALTH | $35K | — | $35K | 1.82% |
| JON SNEAD3 | 50 LOUIS STREET NW, SUITE 200 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $3K | — | $3K | 0.17% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 200 SUMMIT LAKE DRIVE, SUITE 350 VALHALLA, NY 10595 | PRIORITY HEALTH | $28K | — | $28K | 1.81% |
| JON SNEAD3 | 50 LOUIS STREET NW, SUITE 200 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $3K | — | $3K | 0.17% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF MICHIGAN | $8K | — | $8K | 2.74% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $8 | $3K | 12.84% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 11.94% |
| GLENN CUNNINGHAM3 | 60 EAGLE VALLEY COURT BROADVIEW HEIGHTS, OH 44147 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $297 | — | $297 | 1.11% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 333 BRIDGE STREET NW, SUITE 400 GRAND RAPIDS, MI 49504 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $371 | — | $371 | 5.95% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $249 | — | $249 | 3.99% |
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 | 456 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 487 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | PRIORITY HEALTH | 378 | $3.5M |
| Dental | DELTA DENTAL OF MICHIGAN | 811 | $275K |
| Vision | VISION SERVICE PLAN | 251 | $59K |
| Life insurance | STANDARD INSURANCE COMPANY | 456 | $291K |
| Short-term disability | STANDARD INSURANCE COMPANY | 456 | $291K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 456 | $318K |
| Prescription drug(2 contracts) | PRIORITY HEALTH | 378 | $3.5M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 456 | $324K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 811 | — |
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.