| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $97K | — | $97K | 14.45% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $150 | $150 | 0.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ST. LOUIS | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $7K | — | $7K | 9.95% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH ST HAMMOND, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | — | $12K | 38.31% |
| SHAWN NORTON3 | 1053 GARRISON LN. SOUDERTON, PA 189642299 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 32.50% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH ST HAMMOND, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 32.70% |
| SHAWN NORTON3 | 1053 GARRISON LN. SOUDERTON, PA 189642299 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 27.50% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH STREET HAMMONTON, NJ 08037 | CIGNA (LIFE INSURANCE COMPANY OF NORTH AMERICA) | $9K | — | $9K | 50.20% |
| SHAWN NORTON3 | 1053 GARRISON LN. SOUDERTON, PA 189642299 | CIGNA (LIFE INSURANCE COMPANY OF NORTH AMERICA) | $6K | — | $6K | 32.50% |
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 | 793 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 800 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 1,012 | $73K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,001 | $670K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,001 | $670K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,001 | $670K |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,001 | $742K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,012 | — |
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.