| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC NJ | 165 BROADWAY NEW YORK, NY 10006 | BLUECROSS BLUESHIELD OF TEXAS | $158K | $104 | $158K | 1.73% |
| CAMIN CARGO CONTROL, INC.3 | 1001 SHAW AVENUE SUITE 200 PASADENA, TX 775061519 | BLUECROSS BLUESHIELD OF TEXAS | — | $12 | $12 | 0.00% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMERSET, NJ 08875 | HARTFORD LIFE AND ACCIDENT | $140K | — | $140K | 17.55% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC NJ | 165 BROADWAY SUITE 3201 NEW YORK, NY 10006 | HARTFORD LIFE AND ACCIDENT | $41K | — | $41K | 5.09% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC NJ | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | — | $14K | $14K | 1.75% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 95816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 0.18% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731296 | DELTA DENTAL OF NEW JERSEY, INC. | $15K | — | $15K | 3.57% |
| AON CONSULTING INC3 Filed as: AON HEWITT - NEW YORK, NY | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $7K | — | $7K | 10.01% |
| AON CONSULTING INC3 Filed as: AON HEWITT - NEW YORK, NY | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $38 | — | $38 | 10.24% |
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 | 918 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 949 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 1,412 | $9.1M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 1,327 | $409K |
| Vision(2 contracts) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,309 | $66K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,292 | $799K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,292 | $799K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,292 | $799K |
| Other | HARTFORD LIFE AND ACCIDENT | 1,292 | $799K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,412 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.