| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 282905494 | RELIASTAR LIFE INSURANCE COMPANY | — | $90K | $90K | 2.83% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 282905494 | RELIASTAR LIFE INSURANCE COMPANY | — | $35K | $35K | 1.11% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMERSET, NJ 088756718 | METROPOLITAN LIFE INSURANCE COMPANY | $279K | $31K | $310K | 14.51% |
| CUSTOM BENEFIT PROGRAMS INC3 | AN AON CORPORATION 897 12TH STREET HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $181K | $17K | $197K | 16.80% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731296 | METROPOLITAN LIFE INSURANCE COMPANY | — | $111 | $111 | 0.01% |
| CUSTOM BENEFIT PROGRAMS INC3 | AN AON COMPANY 897 12TH STREET HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $100K | $12K | $111K | 14.17% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | AN AON COMPANY PO BOX 419623 BOSTON, MA 02241 | METROPOLITAN GENERAL INSURANCE COMPANY | $36K | $300 | $36K | 10.62% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | UNIVERS WORKPLACE SOLUTIONS 897 12TH STREET HAMMONTON, NJ 08037 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $4K | $4K | 1.20% |
| CAMMACK HEALTH LLC3 | ONE LIBERTY PLAZA FLOOR 31 NEW YORK, NY 10006 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $6K | — | $6K | 3.65% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | AN AON COMPANY 897 12TH STREET HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | — | $111 | $111 | 0.28% |
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 | 13,897 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 203 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,649 | $238K |
| Vision(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 22,206 | $1.2M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 21,070 | $3.2M |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,015 | $674K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,682 | $1.8M |
| Other(5 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 21,070 | $7.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,206 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.