| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JON SNEAD3 Filed as: JON D SNEAD | 50 LOUIS STREET NW SUITE 200 GRAND RAPIDS, MI 495032634 | BLUE CARE NETWORK OF MICHIGAN | $34K | — | $34K | 1.87% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES WEST INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.97% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES WEST INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 8.90% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES WEST INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES WEST, INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | THE LINCOLN LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | C/O NORTHERN TRUST DB 75 REMITTANCE DRIVE CHICAGO, IL 60675 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.73% |
| BUITEN AND ASSOCIATES, LLC3 Filed as: BUITEN & ASSOCIATES LLC | 5738 FOREMOST DR. SE GRAND RAPIDS, MI 49546 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $966 | — | $966 | 3.87% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES WEST INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 11.07% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES WEST INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $443 | — | $443 | 15.02% |
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 | 445 | 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) | 445 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 543 | $1.8M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 260 | $114K |
| Vision | BLUE CARE NETWORK OF MICHIGAN | 543 | $1.8M |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN LIFE INSURANCE COMPANY | 445 | $51K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 142 | $38K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 445 | $51K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 543 | $1.8M |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 445 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 543 | — |
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.