| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KIM L LOBATO3 | 11213 DAVENPORT STREET SUITE 201 OMAHA, NE 68154 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $37K | $20 | $37K | 3.21% |
| AON CONSULTING INC3 Filed as: AON RISK SOLUTIONS | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | BLUE CARE NETWORK OF MICHIGAN | $28K | $0 | $28K | 4.73% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 282905494 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $732 | $732 | 0.27% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE 1446 ACCT 30215288 CHICAGO, IL 60675 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $40 | $40 | 0.01% |
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 | 259 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 282 | $2.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 778 | $269K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY DBA EYEMED VISION CARE | 584 | $32K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 259 | $115K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 259 | $115K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 259 | $115K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 282 | $2.2M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 259 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 778 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.