| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JON SNEAD3 | 50 LOUIS STREET NORTHWEST SUITE 200 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH INSURANCE COMPANY | $41K | — | $41K | 2.80% |
| MICHELLE WILLARD3 | 811 MADISON AVENUE TOLEDO, OH 43604 | PRIORITY HEALTH INSURANCE COMPANY | $13K | — | $13K | 0.90% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | — | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 2.28% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | 50 LOUIS STREET NORTHWEST SUITE 200 GRAND RAPIDS, MI 49503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $661 | $2K | 5.34% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | 50 LOUIS STREET NORTHWEST SUITE 200 GRAND RAPIDS, MI 49503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $344 | $2K | 9.42% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | 50 LOUIS STREET NORTHWEST SUITE 200 GRAND RAPIDS, MI 49503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $914 | $252 | $1K | 9.60% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | 50 LOUIS STREET NORTHWEST SUITE 200 GRAND RAPIDS, MI 49503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $515 | $87 | $602 | 13.98% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | 50 LOUIS STREET NORTHWEST SUITE 200 GRAND RAPIDS, MI 49503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $66 | $66 | — |
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 | 404 | 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) | 404 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 638 | $1.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 642 | $215K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 455 | $19K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 461 | $32K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 461 | $12K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 455 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 642 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.