| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH STREET HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $35K | $939 | $36K | 4.53% |
| WEX HEALTH, INC.3 | 1700 E. GOLF ROAD SUITE 1000 SCHAUMBURG, IL 60173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $10K | $10K | 1.23% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH STREET HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $25K | $3K | $27K | 5.28% |
| WEX HEALTH, INC.3 | 1700 E. GOLF ROAD SUITE 1000 SCHAUMBURG, IL 60173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $7K | $7K | 1.30% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH STREET HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $29K | $885 | $30K | 7.41% |
| WEX HEALTH, INC.3 | 1700 E. GOLF ROAD SUITE 1000 SCHAUMBURG, IL 60173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $8K | $8K | 1.88% |
| AON CONSULTING INC3 Filed as: AON RISK SOLUTIONS OF PR, INC. | PO BOX 191229 SAN JUAN, PR 009191229 | MCS LIFE INSURANCE COMPANY | $3K | — | $3K | 4.95% |
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 | 4,082 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 326 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,408 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 173 | $1.9M |
| Prescription drug(3 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 173 | $1.9M |
| Other(4 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 11,875 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,875 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.