| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 1.36% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 200 E RANDOLPH ST. CHICAGO, IL 60601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 0.75% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 1.68% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 200 E RANDOLPH ST. CHICAGO, IL 60601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $978 | $978 | 0.55% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 2.01% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 200 E RANDOLPH ST. CHICAGO, IL 60601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $978 | $978 | 1.35% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFIT PROG INC AN AON CO | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $22K | $386 | $22K | 36.48% |
| BENEFIT EDUCATORS LLC3 | 1053 GARRISON LANE SUITE 357 SOUDERTON, PA 18964 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | — | $14K | 23.81% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $327 | $327 | 1.39% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFITS PROG INC AN AON CO | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $146 | $7K | 30.99% |
| BENEFIT EDUCATORS LLC3 | 1053 GARRISON LANE SUITE 357 SOUDERTON, PA 18964 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 20.13% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 200 E RANDOLPH ST. CHICAGO, IL 60601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $978 | $978 | 5.32% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $639 | $639 | 3.48% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFIT PROG INC AN AON CO | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $89 | $5K | 36.47% |
| BENEFIT EDUCATORS LLC3 | 1053 GARRISON LANE SUITE 357 SOUDERTON, PA 18964 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 23.75% |
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 | 855 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 857 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 563 | $454K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 563 | $454K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,040 | $263K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 277 | $72K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 505 | $196K |
| Other(4 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 924 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,040 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.