| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 3000 TOWN CENTER STE. 2900 SOUTHFIELD, MI 48075 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 5.75% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE RD. WASHINGTON, MI 48094 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 1.14% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. (NJ) | 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | NATIONAL VISION ADMINISTRATORS, LLC | $2K | — | $2K | 7.48% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE WASHINGTON, MI 48094 | NATIONAL VISION ADMINISTRATORS, LLC | $636 | — | $636 | 2.52% |
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 | 286 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 276 | $25K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 286 | $160K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 286 | $160K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 286 | $160K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 286 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.