| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 111 S. CALVERT STREET SUITE 2010 BALTIMORE, MD 21202 | CAREFIRST BLUECHOICE | — | $13K | $13K | 0.45% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER & STROHL ADMINISTRATIVE SERV | 12404 PARK CENTRAL DRIVE STEET 400 SUITE 400 DALLAS, TX 75251 | CAREFIRST BLUECHOICE | — | $13K | $13K | 0.42% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - PARSIPPANY | 29840 NETWORK PLACE CHICAGO, IL 606731298 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $125K | $26K | $151K | 7.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC, MA | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARVARD PILGRIM HEALTH CARE | $28K | — | $28K | 1.50% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | PO BOX 6718 SOMMERSET, NJ 08875 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $45K | — | $45K | 6.46% |
| AON CONSULTING INC3 | PO BOX 90549 CHARLOTTE, NC 282905494 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $25K | $9K | $34K | 4.91% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $5K | — | $5K | 2.51% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST INC | 165 BROADWAY 33RD FLOOR NEW YORK, NY 10006 | FEDERAL INSURANCE COMPANY | $8K | — | $8K | 20.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC, MA | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARVARD PILGRIM HEALTH CARE | $441 | — | $441 | 1.80% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $100 | $9 | $109 | 16.29% |
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 | 1,886 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,919 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 4 carriers) | CAREFIRST BLUECHOICE | 383 | $7.8M |
| Vision | VISION SERVICE PLAN | 992 | $193K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,848 | $689K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,766 | $2.1M |
| Prescription drug(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE | 383 | $4.9M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,886 | $731K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,886 | — |
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.