| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | 1 BEACON STREET, SUITE 17100 BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | $156K | $253K | $409K | 3.88% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $170K | $170K | 1.62% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | 1 BEACON STREET, SUITE 1700 BOSTON, MA 02108 | HARTFORD LIFE AND ACCIDENT | $93K | $141K | $234K | 3.49% |
| CUSTOM BENEFIT PROGRAMS INC3 | 1 N WHITE HORSE PIKE HAMMONTON, NJ 08037 | UNITED HEALTHCARE INSURANCE COMPANY | $1.0M | — | $1.0M | 23.91% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | 321 N CLARK STREET #940 CHICAGO, IL 60654 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $44K | — | $44K | 2.70% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | 321 N CLARK ST #940 CHICAGO, IL 60654 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $360K | — | $360K | 29.30% |
| MASS MUTUAL FINANCIAL GROUP3 Filed as: MASSACHUSETTS MUTUAL LIFE | 1295 STATE STREET VARIOUS AGENTS - SEE ATTACHED SPRINGFIELD, MA 011110001 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $42K | $3K | $44K | 9.11% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | 1 BEACON STREET, SUITE 17100 BOSTON, MA 02108 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $24K | — | $24K | 149.97% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMERSET, NJ 088756718 | METROPOLITAN LIFE INSURANCE COMPANY | $446 | $101 | $547 | 9.84% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $37 | $37 | 0.67% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC | PO BOX 6718 SOMERSET, NJ 088756718 | METROPOLITAN LIFE INSURANCE COMPANY | $76K | $8K | $84K | — |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMERSET, NJ 088756718 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | $14K | $53K | — |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMERSET, NJ 088756718 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $5K | $37K | — |
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 | 23,167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 212 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 23,379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 341 | $6.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 341 | $1.6M |
| Vision(2 contracts) | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | 36,937 | $1.9M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 38,063 | $10.5M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 23,121 | $7.2M |
| Other(8 contracts, 6 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 38,063 | $17.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 38,063 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.