| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | 75 REMITTANCE DRIVE CHICAGO, IL 60675 | DELTA DENTAL OF MICHIGAN | $4K | $0 | $4K | 2.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 625 KENMOOR SUITE 200 GRAND RAPIDS, MI 49546 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $4K | 10.16% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 171 MONROE ST. SUITE 525 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $190 | $0 | $190 | 0.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNAIONAL MIDWEST LTD | 625 KENMORE SUITE 200 GRAND RAPIDS, MI 49546 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $4K | 9.68% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 171 MONROE ST. SUITE 525 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $201 | $0 | $201 | 0.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 625 KENMOOR SUITE 200 GRAND RAPIDS, MI 49546 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $982 | $5K | 15.25% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC, | 171 MONROE STREET SUITE 525 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $906 | $0 | $906 | 2.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 16253 COLLECTIONS CENTER DR. CHICAGO, IL 60693 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.75% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 75 REMITTANCE DR. DEPT. 1446 CHICAGO, IL 60675 | VISION SERVICE PLAN | $117 | $0 | $117 | 0.53% |
| DEBORAH S OKULY3 | 15920 RANSON ST. HOLLAND, MI 49424 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 11.11% |
| EDWARD O WALTER III3 Filed as: EDWARD O WALTER | 505 CHERRY STREET APT. 309 GRAND RAPIDS, MI 49503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $741 | $0 | $741 | 3.83% |
| JEFFREY C WERNER3 | 18096 TRUDY DR. SPRING LAKE, MI 49456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $283 | $0 | $283 | 1.46% |
| EL TORRO INC3 Filed as: EL TORRO INC. | 2549 PALM DALE DR. WYOMING, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $235 | $0 | $235 | 1.21% |
| AG AND ASSOCIATES3 Filed as: AG & G ASSOCIATES | 2150 ASSOCIATION DR. SUITE 150 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $173 | $0 | $173 | 0.89% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $67 | $0 | $67 | 0.35% |
| HEATHER DOLLIVER3 | 212 W SILVER LAKE RD. FENTON, MI 48430 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | $0 | $25 | 0.13% |
| CHRIS D BOULDREY3 | 340 WOOD HILLS DRIVE CONCORD, MI 49237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | $0 | $14 | 0.07% |
| JIM M BULLOCK3 | 3715 POWDERHORN DR. OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | $0 | $14 | 0.07% |
| JAMES C SNIDER JR3 Filed as: JAMES C SNIDER | 2365 BOSTON STREET BALTIMORE, MD 21224 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | $0 | $14 | 0.07% |
| STEPHANIE L KESSELRING3 | 5415 MORNING VIEW TERRACE BRIGHTON, MI 48114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | $0 | $13 | 0.07% |
| JEFFERY C. WERNER3 Filed as: JEFFERY C WERNER | 18096 TRUDY DR. SPRING LAKE, MI 49456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | $0 | $11 | 0.06% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | $0 | $9 | 0.05% |
| JULIE SLAUGHTER3 | 430 BOARDWALK WALLED LAKE, MI 48390 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 625 KENMOOR SUITE 200 GRAND RAPIDS, MI 49546 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $928 | $322 | $1K | 16.03% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 171 MONROE ST. SUITE 525 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $242 | $0 | $242 | 3.10% |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 507 | $162K |
| Vision | VISION SERVICE PLAN | 143 | $22K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 253 | $75K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 196 | $42K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 20 | $8K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 253 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 507 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.