| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 3.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS | 2055 GATEWAY PL STE 450 # 700 SAN JOSE, CA 95110 | DELTA DENTAL OF MICHIGAN | $1K | — | $1K | 0.77% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS | 801 S FIGUEROA ST #700 LOS ANGELES, CA 90017 | DELTA DENTAL OF MICHIGAN | $628 | — | $628 | 0.36% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | THREE ALLIANCE CENTER 3550 LENOX RD NE, STE 1700 ATLANTA, GA 30326 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 6.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | PO BOX 731739 DALLAS, TX 75373 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.18% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.52% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 233 S WACKER DR STE 1800 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $168 | $168 | 0.12% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | THREE ALLIANCE CENTER 3550 LENOX RD NE, STE 1700 ATLANTA, GA 30326 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 10.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | PO BOX 731739 DALLAS, TX 75373 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.85% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 233 S WACKER DR STE 1800 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $99 | $99 | 0.12% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | THREE ALLIANCE CENTER 3550 LENOX RD NE, STE 1700 ATLANTA, GA 30326 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | PO BOX 731739 DALLAS, TX 75373 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.65% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $640 | $640 | 1.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 233 S WACKER DR STE 1800 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $48 | $48 | 0.12% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 60673 | VISION SERVICE PLAN | $984 | — | $984 | 3.24% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | VISION SERVICE PLAN | $742 | — | $742 | 2.45% |
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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 441 | $173K |
| Vision | VISION SERVICE PLAN | 168 | $30K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 222 | $136K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 156 | $80K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 146 | $40K |
| Other(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 222 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 441 | — |
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.