| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING- NEW YORK | ONE LIBERTY PLAZA SUITE 3201 165 BROADWAY NEW YORK, NY 10006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $12K | $25K | 2.68% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - NEW YORK | 298490 NETWORK PLACE CHICAGO, IL 60673 | UNITED HEALTHCARE INSURANCE COMPANY | $27K | — | $27K | 4.68% |
| AON CONSULTING INC3 Filed as: AON CONSULTING- NEW YORK | ONE LIBERTY PLAZA SUITE 3201 165 BROADWAY NEW YORK, NY 10006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $48K | $4K | $52K | 16.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING- NEW YORK | ONE LIBERTY PLAZA SUITE 3201 165 BROADWAY NEW YORK, NY 10006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $6K | 3.75% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | AN AON CORPORATION 1 N WHITE HORSE PIKE #2 HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $192 | — | $192 | 4.61% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER, JONATHAN, SAMUEL | 8630 DELMAR BOULEVARD SUITE 100 ST. LOUIS, MO 63124 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.24% |
| LOCKTON COMPANIES, LLC3 | C O BANK OF AMERICA 15939 COLLECTION CENTER DRIVE CHICAGO, IL 606930159 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.14% |
| SPETNER ASSOCIATES INC3 | 8630 DELMAR AVENUE SUITE 100 ST. LOUIS, MO 63124 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $59 | — | $59 | 4.07% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C O BANK OF AMERICA 15939 COLLECTION CENTER DRIVE CHICAGO, IL 606930159 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $39 | — | $39 | 2.69% |
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 | 4,037 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 66 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 131 | $22K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 3,111 | $573K |
| Life insurance(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,315 | $892K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,759 | $933K |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,315 | $741K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,315 | — |
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."
No prospect flags tripped on this filing.