| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | 75 REMITTANCE DRIVE LOCKBOX 1446 ACCT#302152 CHICAGO, IL 60675 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 11.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | 75 REMITTANCE DRIVE LOCKBOX 1446 ACCT#302152 CHICAGO, IL 60075 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JON D SNEED AGENT | Insurance brokerage commissions and fees; Non-monetary compensation; Insurance agents and brokers; Other commissions; Other fees Service code 22 | 50 LOUIS ST. NW STE 200 GRAND RAPIDS, MI 495032634 | $36K |
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 | 1,554 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 194 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,748 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 80 | $1K |
| Dental | DELTA DENTAL OF MICHIGAN | 3,515 | $1.0M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,814 | $399K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 309 | $184K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,018 | $205K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,748 | $1.1M |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,554 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,515 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.