| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | BLUE CARE NETWORK OF MICHIGAN | $42K | — | $42K | 1.95% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES WEST INC. | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.01% |
| BUITEN AND ASSOCIATES, LLC3 Filed as: BUITEN & ASSOCIATES LLC | 5738 FOREMOST DR. SE GRAND RAPIDS, MI 49546 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $953 | — | $953 | 0.78% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD. SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $191 | $191 | 0.16% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES WEST INC. | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 7.91% |
| BUITEN AND ASSOCIATES, LLC3 Filed as: BUITEN & ASSOCIATES, LLC | 5738 FOREMOST DR. SE GRAND RAPIDS, MI 49546 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $600 | — | $600 | 1.25% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD. SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $160 | $160 | 0.33% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES WEST INC. | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 13.80% |
| BUITEN AND ASSOCIATES, LLC3 Filed as: BUITEN & ASSOCIATES LLC | 5738 FOREMOST DR. SE GRAND RAPIDS, MI 49546 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $450 | — | $450 | 1.19% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD. SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $120 | $120 | 0.32% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES WEST INC. | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 13.74% |
| BUITEN AND ASSOCIATES, LLC3 Filed as: BUITEN & ASSOCIATES LLC | 5738 FOREMOST DR. SE GRAND RAPIDS, MI 49546 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $434 | — | $434 | 1.26% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD. SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $116 | $116 | 0.34% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES WEST, INC. | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | THE LINCOLN LIFE INSURANCE COMPANY | $1K | — | $1K | 9.91% |
| BUITEN AND ASSOCIATES, LLC3 | 5738 FOREMOST DR. SE GRAND RAPIDS, MI 49546 | THE LINCOLN LIFE INSURANCE COMPANY | $162 | — | $162 | 1.25% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD. SOLON, OH 44139 | THE LINCOLN LIFE INSURANCE COMPANY | — | $43 | $43 | 0.33% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES WEST INC. | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $425 | — | $425 | 13.88% |
| BUITEN AND ASSOCIATES, LLC3 Filed as: BUITEN & ASSOCIATES LLC | 5738 FOREMOST DR. SE GRAND RAPIDS, MI 49546 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $34 | — | $34 | 1.11% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD. SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $9 | $9 | 0.29% |
| BUITEN AND ASSOCIATES, LLC3 Filed as: BUITEN AND ASSOCIATES LLC | 5738 FOREMOST DR. SE GRAND RAPIDS, MI 495467041 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $57 | — | $57 | 3.47% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DR. NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24 | — | $24 | 1.46% |
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 | 502 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 505 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 609 | $2.1M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 266 | $122K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 488 | $51K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 150 | $38K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 488 | $48K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 609 | $2.1M |
| Other(3 contracts, 3 carriers) | THE LINCOLN LIFE INSURANCE COMPANY | 488 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 609 | — |
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.
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.