| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $50K | $57K | $107K | 3.19% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $111 | $111 | 0.00% |
| AON CONSULTING INC3 | MSC# 17704 ORK PLACE PO BOX 1447 LINCOLNSHIRE, IL 60069 | SECURIAN LIFE INSURANCE COMPANY | $444K | — | $444K | 13.35% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | SECURIAN LIFE INSURANCE COMPANY | — | $79K | $79K | 2.36% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC - CHICAGO | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $52K | — | $52K | 3.87% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | PO BOX 6718 SOMERSET, NJ 088756718 | METROPOLITAN LIFE INSURANCE COMPANY | $296K | $15K | $311K | 32.58% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | PO BOX 6718 SOMERSET, NJ 088756718 | METROPOLITAN LIFE INSURANCE COMPANY | $206K | $13K | $219K | 27.82% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | PO BOX 6718 SOMERSET, NJ 088756718 | METROPOLITAN LIFE INSURANCE COMPANY | $127K | $9K | $136K | 25.32% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | PO BOX 6718 SOMERSET, NJ 088756718 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $4K | $16K | 6.86% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60673 | METLIFE LEGAL PLANS | $17K | $4K | $21K | 9.34% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 200 E. RANDOLPH STREET CHICAGO, IL 60601 | METLIFE LEGAL PLANS | $5K | $429 | $5K | 2.40% |
| ALIGHT SOLUTIONS5 Filed as: ALIGHT HOLDING COMPANY | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | METLIFE LEGAL PLANS | — | $4K | $4K | 1.85% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 200 E RANDOLPH ST CHICAGO, IL 60601 | METLIFE LEGAL PLANS | — | $265 | $265 | 0.12% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 200 E RANDOLPH ST CHICAGO, IL 60601 | METLIFE LEGAL PLANS | — | $223 | $223 | 0.10% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 200 E RANDOLPH ST CHICAGO, IL 60601 | FOUR EVER LIFE INS. CO. | $3K | — | $3K | 10.00% |
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 | 14,758 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 143 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,901 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 7,060 | $3.8M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 19,779 | $1.4M |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 14,827 | $3.3M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 14,827 | $3.4M |
| Other(6 contracts, 3 carriers) | SECURIAN LIFE INSURANCE COMPANY | 14,827 | $6.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,779 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.