| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST IN | 851 SW 6TH AVE., STE. 385 PORTLAND, OR 972041339 | METROPOLITAN LIFE INSURANCE COMPANY | — | $48 | $48 | 0.01% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST IN | 851 SW 6TH AVE., STE. 385 PORTLAND, OR 97204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $48 | $48 | 0.01% |
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 | 1,569 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,609 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 2,946 | $18.7M |
| Dental(4 contracts, 3 carriers) | DELTA DENTAL OF MICHIGAN | 4,550 | $2.3M |
| Vision(5 contracts, 2 carriers) | EYE MED VISION CARE | 2,417 | $99K |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,264 | $1.5M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 963 | $976K |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 963 | $976K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 2,946 | $18.7M |
| Other(3 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 2,946 | $15.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,550 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.