| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 75 REMITTANCE DRIVE CHICAGO, IL 60675 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 2.95% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | 75 REMITTANCE DRIVE LOCKBOX 1446 ACCT#302152 CHICAGO, IL 60675 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 6.92% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | 75 REMITTANCE DRIVE LOCKBOX 1446 ACCT#302152 CHICAGO, IL 60675 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | 75 REMITTANCE DRIVE LOCKBOX 1446 ACCT#302152 CHICAGO, IL 60675 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 75 REMITTANCE DRIVE DEPT 1446 CHICAGO, IL 60675 | VISION SERVICE PLAN | $1K | — | $1K | 5.08% |
| DEBORAH S OKULY3 | 15920 RANSOM ST. HOLLAND, MI 49424 | AFLAC | $521 | $63 | $584 | 4.64% |
| S.I.D. ENTERPRISES LTD3 | PO BOX 210008 AUBURN HILLS, MI 58321 | AFLAC | $157 | — | $157 | 1.25% |
| EOWALTERS LLC3 | PO BOX 150199 GRAND RAPIDS, MI 59515 | AFLAC | $104 | $13 | $117 | 0.93% |
| EL TORRO INC3 Filed as: EL TORRO INC. | 2549 PALM DALE DR. WYOMING, MI 49418 | AFLAC | $94 | $13 | $107 | 0.85% |
| JOHN MARTIN KETCHAM3 | 1947 142ND AVE. DORR, MI 49323 | AFLAC | $88 | — | $88 | 0.70% |
| CHARLES V GLAUB3 | 1325 OAK HOLLOW DR. MILFORD, MI 48380 | AFLAC | $80 | — | $80 | 0.64% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $41 | — | $41 | 0.33% |
| ERIC J CONDRON3 | 11358 WILD POND DR. SE ROCKFORD, MI 49341 | AFLAC | $40 | — | $40 | 0.32% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DR. STE. 150 OKEMOS, MI 48864 | AFLAC | $26 | $13 | $39 | 0.31% |
| JEFFERY C. WERNER3 Filed as: JEFFERY WERNER LLC | 18096 TRUDY DR. SPRING LAKE, MD 49456 | AFLAC | $32 | — | $32 | 0.25% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DR. SUITE 150 OKEMOS, MI 48864 | AFLAC | $29 | — | $29 | 0.23% |
| CM FORTADO INC3 Filed as: CM FORTADO INC. | 2922 FULLER AVE. NE SUITE 202 GRAND RAPIDS, MI 49505 | AFLAC | $28 | — | $28 | 0.22% |
| KAREN S HEITZMAN3 | 1545 BEAR CREEK LANE UNIT R PETOSKEY, MI 49770 | AFLAC | $18 | — | $18 | 0.14% |
| KENNETH BOWERY3 Filed as: KENNETH J BOWERY | 2083 PINECROFT DR. CANTON, MI 48188 | AFLAC | $18 | — | $18 | 0.14% |
| KIMBERLY JILL ZBIKOWSKI3 Filed as: KIMBERLY J ZBIKOWSKI | 1786 DEEPWOOD DR. SW WYOMING, MI 49519 | AFLAC | $15 | — | $15 | 0.12% |
| CHARLES V GLAUB3 | 5458 PARKSIDE DR. BRIGHTON, MI 48114 | AFLAC | $11 | — | $11 | 0.09% |
| RICHARD JOHN DERF3 | PO BOX 143 GRAND HAVEN, MI 49417 | AFLAC | $10 | — | $10 | 0.08% |
| CM FORTADO INC3 Filed as: CM FORTADO INC. | 2549 PALM DALE DR. SW WYOMING, MI 49418 | AFLAC | $9 | — | $9 | 0.07% |
| ANDREW K GLAUB3 | 2150 ASSOCIATION DR. SUITE 150 OKEMOS, MI 48864 | AFLAC | $9 | — | $9 | 0.07% |
| DENNIS FENNELL3 Filed as: DENNIS R BELGER | PO BOX 215 NORTH STREET, MI 48049 | AFLAC | $8 | — | $8 | 0.06% |
| CORE DESIGN LLC3 | 10880 SANDY OAK TRAIL CEDAR SPRING, MI 49319 | AFLAC | $6 | — | $6 | 0.05% |
| JASON SCZEPANIAK3 | 1161 HERITAGE CT. SUN PRAIRIE, WI 53590 | AFLAC | $5 | — | $5 | 0.04% |
| SPAZ AND GLAUB ENTERPRISES3 | 2150 ASSOCIATION DR. SUITE 150 OKEMOS, MI 48864 | AFLAC | $5 | — | $5 | 0.04% |
| TIM WOODARD3 | 614 CEDAR CT. JONESVILLE, MI 49250 | AFLAC | $4 | — | $4 | 0.03% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | 75 REMITTANCE DRIVE LOCKBOX 1446 ACCT#302152 CHICAGO, IL 60675 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | 75 REMITTANCE DRIVE LOCKBOX 1446 ACCT#302152 CHICAGO, IL 60675 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $598 | — | $598 | 14.99% |
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 | 260 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 557 | $161K |
| Vision | VISION SERVICE PLAN | 157 | $24K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 30 | $57K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 822 | $60K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 814 | $10K |
| Other(2 contracts, 2 carriers) | AFLAC | 560 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 822 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.