| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 53 STATE ST FL S22 BOSTON, MA 02109 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $0 | $11K | 1.92% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 9101 PLAINVIEW, NY 11803 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $0 | $8K | 1.35% |
| AON CONSULTING INC3 | 53 STATE ST FL S22 BOSTON, MA 02109 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 1.38% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 9101 PLAINVIEW, NY 11803 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 0.94% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 44 WHIPPANY ROAD MORRISTOWN, NJ 79600 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $28K | $0 | $28K | 8.47% |
| AON CONSULTING INC3 | 200 CONNELL DRIVE 5TH FLOOR BERKELEY HEIGHTS, NJ 07822 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 1.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 0.89% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $196 | $196 | 0.06% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMERSET, NJ 08875 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $62 | $12K | 50.70% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $238 | $238 | 1.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVE RM 3202 NEW YORK, NY 10166 | METROPOLITAN LIFE INSURANCE COMPANY | $177 | $47 | $224 | 0.94% |
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 | 1,228 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 142 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 33 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,403 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,406 | $1.0M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,406 | $1.0M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 906 | $329K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 906 | $329K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 906 | $329K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 906 | $352K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,406 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.