| 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 | $6K | — | $6K | 3.21% |
| 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 | 6.97% |
| 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 | $6K | — | $6K | 15.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 75 REMITTANCE DRIVE DEPT 1446 CHICAGO, IL 60675 | VISION SERVICE PLAN | $1K | — | $1K | 4.86% |
| 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 | 9.13% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED | PO BOX 427 COLUMBIA, SC 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 20.46% |
| 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 | $1K | — | $1K | 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 | $561 | — | $561 | 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 | 254 | 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) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 572 | $189K |
| Vision | VISION SERVICE PLAN | 188 | $27K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 254 | $61K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 254 | $56K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 22 | $8K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 254 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 572 | — |
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.