| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $10K | $4K | $14K | 5.72% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $472 | $6K | 5.45% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | VARIOUS AGENTS - SEE ATTACHED 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $17K | $208 | $17K | 24.51% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $361 | $3K | 5.63% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC | $1K | — | $1K | 4.00% |
| CUSTOM BENEFIT PROGRAMS INC3 | DBA UNIVERS WORKPLACE 897 12TH STREET HAMMONTON, NJ 08037 | AETNA LIFE INSURANCE CO. | $10K | — | $10K | 48.02% |
| AON CONSULTING INC3 | 53 STATE STREET FLOOR S22 BOSTON, MA 021092820 | UNITEDHEALTHCARE INSURANCE COMPANY | $774 | — | $774 | 7.01% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | VARIOUS AGENTS 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $4K | — | $4K | 35.27% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | AN AON CO. 897 12TH STREET HAMMONTON, NJ 08037 | LEGALPLANS, USA | $445 | — | $445 | 8.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC | $94 | — | $94 | 3.98% |
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 | 815 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 817 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 442 | $277K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 162 | $11K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 825 | $57K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 92 | $104K |
| Other(5 contracts, 4 carriers) | AFLAC | 825 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 825 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.