| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTINE GOODMAN3 | 100 HALF DAY ROAD LINCOLNSHIRE, IL 60069 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $191K | — | $191K | 1.80% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 905494 CHARLOTTE, NC 28290 | DELTA DENTAL OF MICHIGAN | $20K | — | $20K | 3.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING/NC | PO BOX 905494 CHARLOTTE, NC 28290 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $20K | — | $20K | 8.14% |
| AON CONSULTING INC3 Filed as: AON CONSULTING ST. LOUIS MO | 29840 NETWORK PLACE CHICAGO, IL 60673 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $11K | — | $11K | 8.59% |
| AON CONSULTING INC3 Filed as: AON CONSULTING/NC | PO BOX 905494 CHARLOTTE, NC 28290 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $10K | — | $10K | 7.61% |
| AON CONSULTING INC3 Filed as: AON CONSULTING/NC | PO BOX 905494 CHARLOTTE, NC 28290 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $8K | — | $8K | 6.60% |
| AON CONSULTING INC3 Filed as: AON CONSULTING N/E | PO BOX 905494 CHARLOTTE, NC 28290 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $8K | — | $8K | 7.23% |
| AON CONSULTING INC3 Filed as: AON CONSULTING/NC | PO BOX 905494 CHARLOTTE, NC 28290 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $9K | — | $9K | 20.17% |
| AON CONSULTING INC3 Filed as: AON CONSULTING/NC | PO BOX 905494 CHARLOTTE, NC 28290 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.70% |
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 | 942 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 952 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 2,108 | $10.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 2,053 | $659K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,852 | $133K |
| Life insurance(6 contracts) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 248 | $670K |
| Short-term disability(6 contracts) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 248 | $670K |
| Long-term disability(6 contracts) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 248 | $670K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 2,108 | $10.6M |
| Other(6 contracts) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 248 | $670K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,108 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.