| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWRENCE LIEBMAN3 | 4 OVERLOOK POINT 03 LINCOLNSHIRE, IL 60069 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $331K | — | $331K | 1.96% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $55K | $652 | $56K | 3.79% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9K | $9K | 0.58% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | DELTA DENTAL OF MICHIGAN | $28K | — | $28K | 2.86% |
| AON CONSULTING INC3 Filed as: AON CONSULTING ST. LOUIS MO | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $21K | — | $21K | 11.16% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ST. LOUIS | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | — | $2K | 7.14% |
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 | 1,588 | 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) | 1,598 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 2,764 | $16.9M |
| Dental | DELTA DENTAL OF MICHIGAN | 2,757 | $998K |
| Vision(2 contracts) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,931 | $218K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,281 | $1.5M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,281 | $1.5M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,281 | $1.5M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 2,764 | $16.9M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 2,281 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,764 | — |
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.