| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JON SNEAD3 Filed as: JON D SNEAD | AON CONSULTING INC. WMI 50 LOUIS ST. NW, SUITE 200 GRAND RAPIDS, MI 495032634 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $103K | — | $103K | 1.45% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 50 LOUIS ST. NW GRAND RAPIDS, MI 495032674 | AMERITAS LIFE INSURANCE COMPANY | $3K | — | $3K | 0.98% |
| 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 | $13K | — | $13K | 4.97% |
| 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 | 3.38% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 10.71% |
| 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 | 12.35% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $194 | — | $194 | 10.02% |
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 | 635 | 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) | 639 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,406 | $7.1M |
| Dental | AMERITAS LIFE INSURANCE COMPANY | 1,095 | $317K |
| Vision(3 contracts, 2 carriers) | AMERITAS LIFE INSURANCE COMPANY | 1,095 | $364K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 759 | $263K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 539 | $168K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,406 | $7.1M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 538 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,406 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.