| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $172K | $95 | $172K | 4.97% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $60K | $60K | 1.74% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, ID 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 0.22% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC | $35K | — | $35K | 2.32% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC - IL | 29840 NETWORK PLACE CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC. | $54K | — | $54K | 4.71% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $7K | — | $7K | 1.11% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $91K | $9K | $100K | 27.79% |
| BSC AGENCY LLC3 | 1025 ASHWORTH ROAD SUITE 101 WEST DES MOINES, IA 502653542 | METROPOLITAN LIFE INSURANCE COMPANY | — | $11K | $11K | 2.92% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $103K | $8K | $111K | 39.92% |
| BSC AGENCY LLC3 | 1025 ASHWORTH ROAD SUITE 101 WEST DES MOINES, IA 502653542 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9K | $9K | 3.23% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $80K | $5K | $85K | 41.07% |
| BSC AGENCY LLC3 | 1025 ASHWORTH ROAD SUITE 101 WEST DES MOINES, IA 502653542 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 3.11% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | $13K | $2K | $15K | 12.24% |
| BUSINESSSOLVER.COM, INC.3 Filed as: BUSINESSSOLVER.COM, INC | 1025 ASHWORTH ROAD SUITE 101 WEST DES MOINES, IA 50265 | METLIFE LEGAL PLANS | — | $2K | $2K | 1.58% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 30 WATERSIDE DRIVE FARMINGTON, CT 06032 | METLIFE LEGAL PLANS | — | $395 | $395 | 0.33% |
| AON CONSULTING INC3 | 200 E RANDOLPH STREET SUITE 900 CHICAGO, IL 60601 | METLIFE LEGAL PLANS | — | $143 | $143 | 0.12% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 165 BROADWAY SUITE 3201 NEW YORK, NY 10006 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $0 | — | $0 | — |
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 | 2,508 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,508 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 301 | $2.7M |
| Vision | VISION SERVICE PLAN | 2,753 | $637K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 5,557 | $3.5M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,557 | $3.5M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,557 | $3.5M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 301 | $1.1M |
| Other(7 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,557 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,557 | — |
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.