| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC NJ | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | HARTFORD LIFE AND ACCIDENT | $101K | — | $101K | 3.76% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY INC | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | — | $30K | $30K | 1.12% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $5K | $5K | 0.18% |
| AON CONSULTING INC3 Filed as: AON HEWITT - MORRISTOWN, NJ | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $14K | — | $14K | 2.25% |
| AON CONSULTING INC3 Filed as: AON HEWITT - BERKELEY HEIGHTS, NJ | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $9K | — | $9K | 1.55% |
| AON CONSULTING INC3 Filed as: AON HEWITT - STAMFORD, CT | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | -$19K | — | -$19K | -3.12% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMERSET, NJ 088756718 | METROPOLITAN LIFE INSURANCE COMPANY | $72K | $7K | $78K | 18.66% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC NJ | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT INSURANCE CO. | $18K | $3K | $21K | 5.92% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC NJ | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | HARTFORD LIFE AND ACCIDENT INSURANCE CO. | — | $462 | $462 | 0.13% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMERSET, NJ 088756718 | METROPOLITAN LIFE INSURANCE COMPANY | $45K | $5K | $50K | 17.61% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | $13K | $3K | $16K | 9.14% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 200 E. RANDOLPH STREET CHICAGO, IL 60601 | METLIFE LEGAL PLANS | $4K | $713 | $5K | 2.86% |
| BUSINESSOLVER.COM, INC.3 | 1025 ASHWORTH RD WEST DES MOINES, IA 50265 | METLIFE LEGAL PLANS | — | $4K | $4K | 2.43% |
| AON CONSULTING INC3 | P.O. BOX 203550 AUSTIN, TX 78720 | METLIFE LEGAL PLANS | — | $223 | $223 | 0.13% |
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 | 4,672 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,459 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 873 | $9.0M |
| Dental | AETNA LIFE INSURANCE CO. | 235 | $3.6M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 8,124 | $4.3M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 8,567 | $2.7M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 8,567 | $2.7M |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,672 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,567 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.