| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | — | $80K | $80K | 1.10% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $11K | $11K | 0.15% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | SECURIAN LIFE INSURANCE COMPANY | — | $67K | $67K | 2.28% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 419623 BOSTON, MA 02241 | SECURIAN LIFE INSURANCE COMPANY | $813K | $26K | $839K | 72.22% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | SECURIAN LIFE INSURANCE COMPANY | — | $26K | $26K | 2.28% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 419623 BOSTON, MA 02241 | SECURIAN LIFE INSURANCE COMPANY | $725K | $24K | $748K | 72.31% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 419623 BOSTON, MA 02241 | SECURIAN LIFE INSURANCE COMPANY | $430K | $14K | $443K | 72.24% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | $27K | $4K | $32K | 11.45% |
| BUSINESSSOLVER.COM, INC.3 Filed as: BUSINESSSOLVER.COM, INC | 1025 ASHWORTH ROAD SUITE 101 WEST DES MOINES, IA 50265 | METLIFE LEGAL PLANS | — | $4K | $4K | 1.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DRIVE FARMINGTON, CT 06032 | METLIFE LEGAL PLANS | — | $853 | $853 | 0.31% |
| AON CONSULTING INC3 | 200 E RANDOLPH STREET SUITE 900 CHICAGO, IL 60601 | METLIFE LEGAL PLANS | — | $334 | $334 | 0.12% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | AN AON COMPANY 897 12TH STREET HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38K | $51K | $89K | 50.94% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES INC. | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | $0 | $2K | $2K | 15.00% |
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 | 14,784 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 149 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,933 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 754 | $6.2M |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 14,753 | $4.1M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 14,800 | $7.2M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 14,800 | $7.2M |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 754 | $6.2M |
| Other(9 contracts, 5 carriers) | SECURIAN LIFE INSURANCE COMPANY | 14,784 | $7.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,800 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.