| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 111 S. CALVERT STREET SUITE 2010 BALTIMORE, MD 21202 | CAREFIRST BLUECHOICE | — | $49K | $49K | 1.60% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER & STROHL ADMINISTRATIVE SERV | 12404 PARK CENTRAL DRIVE STEET 400 SUITE 400 DALLAS, TX 75251 | CAREFIRST BLUECHOICE | — | $14K | $14K | 0.46% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - PARSIPPANY | 29840 NETWORK PLACE CHICAGO, IL 606731298 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $131K | $27K | $159K | 7.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC, MA | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARVARD PILGRIM HEALTH CARE | $20K | — | $20K | 0.99% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | PO BOX 6718 SOMMERSET, NJ 08875 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $90K | — | $90K | 13.38% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $24K | $12K | $35K | 5.28% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $3K | — | $3K | 1.68% |
| 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 INC, MA | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARVARD PILGRIM HEALTH CARE | $217 | — | $217 | 1.35% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | $33K | — | $33K | 460.83% |
| BENEFIT SERVICES INS AGENCY INC3 | 36 WASHINGTON STREET SUITE 80 WELLESLEY, MA 02481 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $229 | — | $229 | 5.34% |
| HOWARD R. GRIMES3 | ESTATE OF HOWARD R. GRIMES 1150 REEF ROAD #27 VERO BEACH, FL 32963 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $70 | — | $70 | 1.63% |
| KIM NATOVITZ CUTLER3 | 6721 COLUMBIA GATEWAY DR STE 100 COLUMBIA, MD 21046 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9 | — | $9 | 0.21% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $127 | — | $127 | 14.08% |
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 | 1,843 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,883 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 4 carriers) | CAREFIRST BLUECHOICE | 416 | $7.5M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | 26 | $7K |
| Vision | VISION SERVICE PLAN | 963 | $190K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,801 | $671K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,847 | $2.2M |
| Prescription drug(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE | 416 | $4.7M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,843 | $697K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,847 | — |
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.