| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $23K | $26K | 3.20% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 16.45% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 19.70% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $394 | — | $394 | 6.92% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $807 | — | $807 | 15.51% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 29.27% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC | AN AON COMPANY 897 12TH STREET HAMMONTON, NJ 08037 | COMBINED INSURANCE COMPANY OF AMERICA | $593 | — | $593 | 13.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE 897 12TH STREET CHICAGO, NJ 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $567 | — | $567 | 14.23% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFITS PROGRAMS, INC. | AN AON COMPANY PO BOX 1116 HAMMONTON, NJ 08037 | ARAG INSURANCE COMPANY | $56 | — | $56 | 10.04% |
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 | 225 | 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) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 354 | $813K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 354 | $813K |
| Vision | VISION SERVICE PLAN | 258 | $6K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 137 | $26K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 137 | $10K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 89 | $11K |
| Other(3 contracts, 3 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 356 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 356 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.