| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $239K | $113 | $239K | 4.92% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $63K | $63K | 1.29% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9K | $9K | 0.18% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | METROPOLITAN LIFE INSURANCE COMPANY | — | -$46K | -$46K | -0.95% |
| AON CONSULTING INC3 Filed as: AON CONSULTING DALLAS | 2711 N HASKELL AVE SUITE 800 DALLAS, TX 75204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $72K | — | $72K | 5.00% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | PO BOX 6718 SOMERSET, NJ 088756718 | METROPOLITAN LIFE INSURANCE COMPANY | $146K | $15K | $161K | 19.82% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | PO BOX 6718 SOMERSET, NJ 088756718 | METROPOLITAN LIFE INSURANCE COMPANY | $122K | $14K | $136K | 17.21% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | PO BOX 6718 SOMERSET, NJ 088756718 | METROPOLITAN LIFE INSURANCE COMPANY | $114K | $10K | $125K | 21.43% |
| AON CONSULTING INC3 Filed as: AON CONSULTING DALLAS | 2711 N HASKELL AVE SUITE 800 DALLAS, TX 75204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 2.47% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 2.93% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 1.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 7.50% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF PR, INC. | PO BOX 9023549 SAN JUAN, PR 00902 | TRIPLE S SALUD, INC. | $6K | — | $6K | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 641121906 | ACE AMERICAN INSURANCE COMPANY | $10K | — | $10K | 20.00% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | PO BOX 6718 SOMERSET, NJ 08873 | METROPOLITAN LIFE INSURANCE COMPANY | $671 | — | $671 | 5.35% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE INC. | 100 BENEFITFOCUS WAY CHARLSTON, SC 294928378 | METROPOLITAN LIFE INSURANCE COMPANY | — | -$42 | -$42 | -0.33% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | PO BOX 6718 SOMERSET, NJ 08873 | METROPOLITAN LIFE INSURANCE COMPANY | $555 | — | $555 | 5.06% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN. LLC | PO BOX 850502 MINNEAPOLIS, MN 554850512 | METROPOLITAN LIFE INSURANCE COMPANY | $177 | — | $177 | 1.61% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | METROPOLITAN LIFE INSURANCE COMPANY | — | -$40 | -$40 | -0.36% |
| AON CONSULTING INC3 Filed as: AON CONSULTING DALLAS | 2711 N HASKELL AVE SUITE 2000 DALLAS, TX 75204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $70 | — | $70 | 5.01% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | METROPOLITAN LIFE INSURANCE COMPANY | — | -$1 | -$1 | -0.13% |
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 | 9,869 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 282 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 7,160 | $5.5M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 63 | $247K |
| Vision | VISION SERVICE PLAN | 6,982 | $1.2M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 13,862 | $4.9M |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 904 | $219K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,259 | $1.6M |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 224 | $3.1M |
| Other(10 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 13,862 | $7.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,862 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.