| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 13901 SUTTON PK S B-C S360 JACKSONVILLE, FL 32224 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $55K | $0 | $55K | 3.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W. BIG BEAVER S-200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $112 | $0 | $112 | 0.01% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF FL, INC. | 13901 SUTTON PARK DR S BLDG C JACKSONVILLE, FL 32224 | DELTA DENTAL OF MICHIGAN | $3K | $0 | $3K | 3.98% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | 13901 SUTTON PARK DRIVE S BUILDING C SUITE 360 JACKSONVILLE, FL 32224 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | 13901 SUTTON PARK DRIVE S BUILDING C SUITE 360 JACKSONVILLE, FL 32224 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | 13901 SUTTON PARK DRIVE S BUILDING C SUITE 360 JACKSONVILLE, FL 32224 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
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 | 153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 288 | $1.5M |
| Dental | DELTA DENTAL OF MICHIGAN | 288 | $84K |
| Life insurance | STANDARD INSURANCE COMPANY | 203 | $14K |
| Short-term disability | STANDARD INSURANCE COMPANY | 203 | $58K |
| Long-term disability | STANDARD INSURANCE COMPANY | 129 | $23K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 288 | $1.5M |
| Other | STANDARD INSURANCE COMPANY | 203 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.