| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC Filed as: AON RISK SERVICES | 450 E 96TH ST INDIANAPOLIS, IN 462403752 | PRINCIPAL LIFE INSURANCE COMPANY | — | $20K | $20K | 1.22% |
| AON CONSULTING INC Filed as: AON RISK SERVICES CENTRAL | 75 REMITTANCE DRIVE CHICAGO, IL 60675 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $2.9M |
| CIGNA GROUP INSURANCE EIN 23-1503749 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $256K |
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 BENEFIT ADMINISTRATOR | Contract Administrator Service code 13 | — | $195K |
| THE HUNTINGTON NATIONAL BANK EIN 38-2032880 TRUSTEE | Investment advisory (participants) Service code 26 | — | $10K |
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 | 4,669 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 206 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,875 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 124 | $651K |
| Dental | DELTA DENTAL PLAN OF MICHIGAN | 10,704 | $3.7M |
| Vision(3 contracts, 2 carriers) | HERITAGE VISION PLANS, INC | 3,846 | $437K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 7,759 | $1.6M |
| Short-term disability | CIGNA LIFE INSURANCE CO OF NEW YORK | 0 | $5K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $1.3M |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC - STOP LOSS GROUP | 4,144 | $637K |
| Other | HYATT LEGAL PLANS, INC. | 787 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,704 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.