| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | $46K | $73K | $119K | 2.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | — | $20K | $20K | 0.34% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH STREET HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $49K | — | $49K | 3.84% |
| CUSTOM BENEFITS PROGRAMS3 | 987 12TH ST. HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $49K | — | $49K | 4.94% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 1900 16TH STREET, SUITE 1000 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | — | $92 | $92 | 1.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 1900 16TH STREET, SUITE 1000 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | — | $33 | $33 | 0.54% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | — | $41 | $41 | 1.50% |
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 | 8,565 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 599 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 543 | $3.2M |
| Dental | ALPHA DENTAL OF ALABAMA, INC. | 253 | $38K |
| Vision | VISION SERVICE PLAN | 8,439 | $1.4M |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 17,489 | $6.2M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 17,303 | $5.9M |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 543 | $3.2M |
| Other(5 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 17,489 | $8.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,489 | — |
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.