| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE PO BOX 28852 CHICAGO, IL 606831299 | HARTFORD LIFE AND ACCIDENT | — | $5K | $5K | 0.24% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $945 | $945 | 0.04% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH ST. HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $45K | $2K | $47K | 21.29% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $31 | $16K | 7.36% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 S RIVERSIDE PLZ STE 1100 CHICAGO, IL 606063708 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 2.96% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $313 | $313 | 0.14% |
| CUSTOM BENEFIT PROGRAMS INC0 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH ST. HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | $2K | $41K | 25.37% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $31 | $21K | 13.08% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 10 S. RIVERSIDE PLZ. STE. 1100 CHICAGO, IL 606063708 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 3.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS. SERVICES | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $163 | $163 | 0.10% |
| CUSTOM BENEFIT PROGRAMS INC0 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $1K | $26K | 20.67% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $31 | $18K | 14.15% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 10 S RIVERSIDE PLZ STE. 1100 CHICAGO, IL 606063708 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 3.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS. SERVICES | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $131 | $131 | 0.10% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE PO BOX 28852 CHICAGO, IL 60673 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $12K | — | $12K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $948 | $948 | 0.80% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 200 E. RANDOLPH ST. STE 900 CHICAGO, IL 60601 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $87 | $87 | 0.07% |
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 | 4,446 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,485 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 5 carriers) | SELECTHEALTH | 2,412 | $4.9M |
| Vision | VISION SERVICE PLAN | 3,239 | $469K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 6,265 | $2.2M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 6,265 | $2.2M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 6,265 | $2.2M |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 207 | $2.1M |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 6,265 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,265 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.