| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 201 MERRITT 7 BUILDING 201 NORWALK, CT 06851 | UNITEDHEALTHCARE INSURANCE COMPANY | $103K | — | $103K | 2.30% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $32K | $8K | $40K | 12.42% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $490 | $10K | 11.14% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | FOUR EVER LIFE INS. CO. | $5K | — | $5K | 8.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 16.14% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $416 | $5K | 8.36% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $5K | — | $5K | 12.41% |
| CUSTOM BENEFIT PROGRAMS INC3 | AN AON COMPANY 897 12TH STREET HAMMONTON, NJ 08037 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 74.48% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $54 | $1K | 16.82% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 400 ATRIUM DRIVE 5TH FLOOR SOUTH SOMERSET, NJ 08873 | GERBER LIFE INSURANCE COMPANY | $193 | — | $193 | 15.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - SOMERSET | 29840 NETWORK PLACE CHICAGO, IL 606731298 | FIRST UNUM LIFE INSURANCE COMPANY | $211 | — | $211 | 20.02% |
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 | 448 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 458 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 588 | $4.7M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 327 | $438K |
| Vision | VISION SERVICE PLAN | 282 | $41K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 456 | $59K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 448 | $85K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 448 | $57K |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 475 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 588 | — |
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.