| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES- GRAND RAPIDS | 75 REMITTANCE DR STE 1446 CHICAGO, IL 60675 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 1.25% |
| AON CONSULTING INC Filed as: AON RISK SERVICES- GRAND RAPIDS | 75 REMITTANCE DR STE 1446 CHICAGO, IL 60675 | QBE INSURANCE | $26K | — | $26K | 3.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES- GRAND RAPIDS | 75 REMITTANCE DR STE 1446 CHICAGO, IL 60675 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 21.25% |
| AON CONSULTING INC Filed as: AON RISK SERVICES- GRAND RAPIDS | 75 REMITTANCE DR STE 1446 CHICAGO, IL 60675 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 15.25% |
| AON CONSULTING INC3 | 165 BROADWAY, STE 3201 NEW YORK, NY 10006 | NATIONAL UNION FIRE INS. CO OF PITTSBURGH | $7K | — | $7K | 20.00% |
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 | 2,220 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,795 | $349K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,905 | $1.8M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,905 | $1.8M |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 0 | $855K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,905 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,905 | — |
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."
No prospect flags tripped on this filing.