| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 606731298 | AETNA LIFE INSURANCE CO. | $218 | — | $218 | 0.01% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | $105K | $31K | $137K | 4.57% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $7K | $7K | 0.24% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | $20K | — | $20K | 5.00% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $75K | $5K | $81K | 20.60% |
| 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. | $31K | — | $31K | 8.29% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $97K | $3K | $100K | 37.89% |
| AON CONSULTING INC3 Filed as: AON HEWITT - MORRISTOWN, NJ | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $20K | — | $20K | 9.28% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 200 E. RANDOLPH STREET CHICAGO, IL 60601 | METLIFE LEGAL PLANS | $11K | $112 | $11K | 8.75% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | — | $1K | $1K | 1.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 7650 W. COURTNEY CAMPBELL CAUSEWAY TAMPA, FL 33607 | METLIFE LEGAL PLANS | — | $55 | $55 | 0.04% |
| 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. | $280 | — | $280 | 7.99% |
| AON CONSULTING INC3 Filed as: AON HEWITT - MORRISTOWN, NJ | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $348 | — | $348 | 10.18% |
| 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. | $137 | — | $137 | 8.00% |
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 | 4,665 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 350 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,015 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 802 | $8.6M |
| Dental | AETNA LIFE INSURANCE CO. | 398 | $4.0M |
| Vision(6 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 4,318 | $4.6M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 8,477 | $3.0M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 8,477 | $3.0M |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 6,346 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,477 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.