| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | AN AON COMPANY PO BOX 419623 BOSTON, MA 02241 | METROPOLITAN GENERAL INSURANCE COMPANY | $10K | — | $10K | 9.79% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER.COM, INC | 1025 ASHWORTH RD STE 101 WEST DES MOINES, IA 50265 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $3K | $3K | 2.84% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN GENERAL INSURANCE COMPANY | $904 | $127 | $1K | 1.06% |
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | METROPOLITAN GENERAL INSURANCE COMPANY | -$981 | — | -$981 | -1.01% |
| WILLIS TOWERS WATSON US LLC3 | 200 LIBERTY STREET FLOOR 7 NEW YORK, NY 102810003 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $3K | — | $3K | 25.00% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 60673 | AETNA LIFE INSURANCE CO. | $1K | $215 | $2K | 11.64% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $352 | — | $352 | 10.00% |
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 | 2,357 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,671 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,028 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 3 | $17K |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 3 | $17K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,855 | $414K |
| Life insurance | ZURICH AMERICAN LIFE INSURANCE COMPANY | 4,046 | $1.8M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,391 | $850K |
| Other(5 contracts, 5 carriers) | MODERN HEALTH ARIZONA, PLLC | 2,357 | $677K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,046 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.