| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC NJ | 29840 NETWORK PLACE CHICAGO, IL 60673 | BLUE CROSS AND BLUE SHIELD OF ILLINOIS | $131K | — | $131K | 4.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC NJ | 29840 NETWORK PLACE CHICAGO, IL 60673 | DELTA DENTAL OF ILLINOIS | $13K | — | $13K | 7.39% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ST. LOUIS | 4220 DUNCAN AVENUE ST. LOUIS, MO 63110 | UNUM INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 2.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ST. LOUIS | 4220 DUNCAN AVENUE ST. LOUIS, MO 63110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $3K | $22K | 17.66% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ST. LOUIS | 4220 DUNCAN AVENUE ST. LOUIS, MO 63110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 2.50% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC | 1 N WHITE HORSE PIKE #2 HAMMONTON, NJ 08037 | UNUM INSURANCE COMPANY | $22K | $738 | $22K | 43.43% |
| NORTON, SHAWN P3 | 1053 GARRISON LN SOUDERTON, PA 18964 | UNUM INSURANCE COMPANY | $14K | — | $14K | 28.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $1K | — | $1K | 4.28% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC | 1 N WHITE HORSE PIKE #2 HAMMONTON, NJ 08037 | UNUM INSURANCE COMPANY | $10K | $380 | $10K | 37.41% |
| NORTON, SHAWN P3 | 1053 GARRISON LN SOUDERTON, PA 18964 | UNUM INSURANCE COMPANY | $7K | — | $7K | 24.00% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC | 1 N WHITE HORSE PIKE #2 HAMMONTON, NJ 08037 | UNUM INSURANCE COMPANY | $9K | $363 | $9K | 40.55% |
| NORTON, SHAWN P3 | 1053 GARRISON LN SOUDERTON, PA 18964 | UNUM INSURANCE COMPANY | $6K | — | $6K | 25.98% |
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 | 371 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 381 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ILLINOIS | 632 | $3.3M |
| Dental | DELTA DENTAL OF ILLINOIS | 292 | $176K |
| Vision | VISION SERVICE PLAN | 271 | $32K |
| Life insurance(2 contracts, 2 carriers) | UNUM INSURANCE COMPANY OF AMERICA | 367 | $286K |
| Short-term disability | UNUM INSURANCE COMPANY OF AMERICA | 367 | $164K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 435 | $60K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ILLINOIS | 632 | $3.3M |
| Other(5 contracts, 3 carriers) | UNUM INSURANCE COMPANY OF AMERICA | 367 | $388K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 632 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.