| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 111 S. CALVERT STREET SUITE 2010 BALTIMORE, MD 21202 | CAREFIRST BLUECHOICE | — | $55K | $55K | 2.11% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER & STROHL ADMINISTRATIVE SERV | 12404 PARK CENTRAL DRIVE STEET 400 SUITE 400 DALLAS, TX 75251 | CAREFIRST BLUECHOICE | — | $18K | $18K | 0.70% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC, MA | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARVARD PILGRIM HEALTH CARE | $33K | — | $33K | 1.49% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $123K | $26K | $149K | 7.25% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | PO BOX 6718 SOMMERSET, NJ 08875 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $82K | — | $82K | 14.88% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731296 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $22K | $6K | $28K | 5.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $4K | — | $4K | 1.95% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC, MA | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARVARD PILGRIM HEALTH CARE | $501 | — | $501 | 1.81% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | ONE LIBERTY PLAZA 165 BROADWAY SUITE 3201 NEW YORK, NY 10006 | FEDERAL INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | $285 | — | $285 | 3.91% |
| BENEFIT SERVICES INS AGENCY INC3 | 36 WASHINGTON STREET SUITE 80 WELLESLEY, MA 02481 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $284 | — | $284 | 4.96% |
| HOWARD R. GRIMES3 | ESTATE OF HOWARD R. GRIMES 1150 REEF ROAD #27 VERO BEACH, FL 32963 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $125 | — | $125 | 2.18% |
| KIM NATOVITZ CUTLER3 | 6550 ROCK SPRING DRIVE SUITE 190 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9 | — | $9 | 0.16% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $140 | — | $140 | 14.91% |
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 | 1,711 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 37 | 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)(6 contracts, 4 carriers) | CAREFIRST BLUECHOICE | 419 | $6.9M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | 28 | $7K |
| Vision | VISION SERVICE PLAN | 867 | $181K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,741 | $552K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,797 | $2.1M |
| Prescription drug(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE | 419 | $4.1M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,741 | $578K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,797 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.