| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING - NEW YORK | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $42K | — | $42K | 0.46% |
| AON CONSULTING INC3 Filed as: AON CONSULTING-NEW YORK | PO BOX 905494 CHARLOTTE, NC 282905494 | FIRST UNUM LIFE INSURANCE COMPANY | $146K | — | $146K | 2.08% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 080371363 | METROPOLITAL LIFE INSURANCE COMPANY | $250K | $14K | $263K | 22.22% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 080371363 | METROPOLITAL LIFE INSURANCE COMPANY | $182K | $8K | $190K | 26.25% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $171 | $5K | 25.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 13-3670795 NONE | Claims processing Service code 12 | — | $266K |
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 | 8,182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,701 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 12,883 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAL LIFE INSURANCE COMPANY | 4,298 | $1.9M |
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 3,042 | $1.3M |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 13,302 | $2.1M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 16,181 | $9.2M |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 19,200 | $7.0M |
| Other(4 contracts, 3 carriers) | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH,PA | 8,182 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,200 | — |
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."
No prospect flags tripped on this filing.