| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY, INC. | 165 BROADWAY SUITE 3201 NEW YORK, NY 10006 | HARTFORD LIFE & ACCIDENT | $790K | $0 | $790K | 4.77% |
| AMERICAN BEN. AND COMP. SYS. INC.3 Filed as: AMERICAN BEN. & COMP. SYSTEMS | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | HARTFORD LIFE & ACCIDENT | $0 | $410K | $410K | 2.48% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE & ACCIDENT | $0 | $211K | $211K | 1.27% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | PO BOX 955816 ST. LOUIS, MO 63195 | HARTFORD LIFE & ACCIDENT | $0 | $34K | $34K | 0.20% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | ZURICH AMERICAN LIFE INSURANCE COMPANY OF NEW YORK | $482K | $0 | $482K | 4.39% |
| BENEFITS PLANNING CORP.3 Filed as: BENEFITS PLANNING CORPORATION | 1 HUNTINGTON QUADRANGLE SUITE 1C09 MELVILLE, NY 11747 | ZURICH AMERICAN LIFE INSURANCE COMPANY OF NEW YORK | $482K | $0 | $482K | 4.39% |
| AMERICAN BENEFITS CONSULTING LLC3 Filed as: AMERICAN BENEFITS CONSULTING | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | ZURICH AMERICAN LIFE INSURANCE COMPANY OF NEW YORK | $0 | $269K | $269K | 2.44% |
| AON CONSULTING INC3 Filed as: AON CONSULTING WORLDWIDE, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | $0 | $5K | 0.23% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | LEGALPLANS USA | $0 | $54K | $54K | 50.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY, INC. | 165 BROADWAY SUITE 3201 NEW YORK, NY 10006 | HARTFORD LIFE AND ACCIDENT | $5K | $193 | $5K | 4.98% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS AND COMP SYSTEM | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 2.48% |
| AON CONSULTING INC3 Filed as: AON CONSULTING WORLDWIDE, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $117 | $0 | $117 | 0.26% |
| AON CONSULTING INC3 Filed as: AON CONSULTING WORLDWIDE, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $85 | $0 | $85 | 0.20% |
| AON CONSULTING INC3 Filed as: AON CONSULTING WORLDWIDE, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $27 | $0 | $27 | 0.10% |
| AON CONSULTING INC3 Filed as: AON CONSULTING WORLDWIDE, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF DELAWARE, INC. | $2 | $0 | $2 | 0.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING WORLDWIDE, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $10 | $0 | $10 | 1.33% |
| AON CONSULTING INC3 Filed as: AON CONSULTING WORLDWIDE, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $3 | $0 | $3 | 0.63% |
| AMERICAN BEN. AND COMP. SYS. INC.3 Filed as: AMERICAN BEN & COMP SYSTEMS INC. | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | HARTFORD LIFE & ACCIDENT | $0 | $3K | $3K | — |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | PO BOX 955816 ST. LOUIS, MO 63195 | HARTFORD LIFE & ACCIDENT | $0 | $122 | $122 | — |
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 | 53,955 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 289 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 54,244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(9 contracts, 7 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 14,552 | $2.4M |
| Vision(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 68,059 | $4.1M |
| Life insurance(3 contracts, 3 carriers) | ZURICH AMERICAN LIFE INSURANCE COMPANY OF NEW YORK | 53,860 | $11.0M |
| Long-term disability(2 contracts) | HARTFORD LIFE & ACCIDENT | 41,378 | $16.6M |
| Other(6 contracts, 4 carriers) | ZURICH AMERICAN LIFE INSURANCE COMPANY OF NEW YORK | 53,860 | $13.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 68,059 | — |
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.