| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 50 LOUIS ST. NW SUITE 200 GRAND RAPIDS, MI 495032634 | BLUE CARE NETWORK OF MICHIGAN | $59K | — | $59K | 1.15% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 956012 ST. LOUIS, MO 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $1K | $1K | 0.73% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 956012 ST. LOUIS, MO 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $1K | $1K | 0.74% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | GRAND RAPIDS 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $5K | — | $5K | 9.24% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 956012 ST. LOUIS, MO 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $162 | $162 | 0.69% |
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 | 650 | 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) | 650 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 1,197 | $5.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 1,275 | $314K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 937 | $57K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 650 | $172K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 209 | $23K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 650 | $138K |
| Prescription drug | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 209 | $23K |
| Other | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 650 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,275 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.