| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC | PO BOX 955909 SAINT LOUIS, MO 63195 | DELTA DENTAL OF MICHIGAN | $21K | — | $21K | 10.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $399 | $10K | 10.41% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 200 E RANDOLPH STREET CHICAGO, IL 60601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 1.99% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $399 | $6K | 10.75% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 200 E RANDOLPH STREET CHICAGO, IL 60601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $978 | $978 | 1.83% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $399 | $5K | 10.91% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 200 E RANDOLPH STREET CHICAGO, IL 60601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $978 | $978 | 2.23% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $5K | — | $5K | 13.91% |
| CUSTOM BENEFIT PROGRAMS INC3 | AN AON COMPANY 897 12TH STREET HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 70.00% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAMS INC | AN AON COMPANY 897 12TH STREET HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 70.00% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAMS INC | AN AON COMPANY 897 12TH STREET HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 70.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $641 | — | $641 | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC NJ | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | HARTFORD LIFE AND ACCIDENT | $341 | $4 | $345 | 15.20% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 495039503 | HARTFORD LIFE AND ACCIDENT | — | $28 | $28 | 1.23% |
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 | 303 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 597 | $207K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 472 | $38K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 583 | $98K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 164 | $44K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 472 | $53K |
| Other(5 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 472 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 597 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.