| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMMACK HEALTH LLC3 Filed as: CAMMACK HEALTH | ONE BATTERY PARK PLAZA 6TH FLOOR NEW YORK, NY 10004 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $99K | — | $99K | 5.05% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731296 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $45K | $45K | 2.29% |
| CAMMACK HEALTH LLC3 | ONE BATTERY PARK PLAZA 6TH FLOOR NEW YORK, NY 10004 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $162K | — | $162K | 10.14% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $34K | $34K | 2.16% |
| CAMMACK HEALTH LLC3 Filed as: CAMMACK HEALTH | ONE BATTERY PARK PLAZA, 6TH FLOOR NEW YORK, NY 10004 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $173K | — | $173K | 27.93% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $10K | $10K | 1.59% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $47K | — | $47K | 10.62% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET PO BOX 1116 HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE COMPANY | $24K | — | $24K | 39.94% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606791298 | RELIASTAR LIFE INSURANCE COMPANY | $585 | $2K | $2K | 3.96% |
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 | 5,861 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,893 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 3,274 | $445K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,081 | $1.6M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,879 | $620K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,117 | $2.0M |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,081 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,117 | — |
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.