| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29695 NETWORK PL CHICAGO, IL 606731298 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $33K | $146K | $179K | 2.90% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 0.04% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $971 | $10K | 11.04% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 15.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | FOUR EVER LIFE INS. CO. | $6K | — | $6K | 8.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $668 | $6K | 8.59% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $2K | — | $2K | 3.39% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMERSET, NJ 088756718 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 14.69% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 603731298 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $775 | $775 | 1.70% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $27 | $1K | 15.30% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29695 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $222 | — | $222 | 10.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29695 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $123 | — | $123 | 9.98% |
| A.C. NEWMAN & CO. INSURANCE3 | CORRESPONDENTS INC. 5200 N PALM AVE, STE 107 FRESNO, CA 93704 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $300 | — | $300 | 30.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29695 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $59 | — | $59 | 9.97% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29695 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | $59 | — | $59 | 9.97% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29695 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $54 | — | $54 | 9.96% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29695 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $39 | — | $39 | 9.90% |
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 | 481 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 482 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 383 | $6.3M |
| Dental(8 contracts, 8 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 383 | $6.3M |
| Vision | VISION SERVICE PLAN | 342 | $56K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 493 | $88K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 470 | $93K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 470 | $64K |
| Other(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 481 | $6.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 493 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.