| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $482K | $108K | $590K | 21.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MERIDAN CENTER, SUITE 100 ROCHESTER, NY 14618 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $154K | $0 | $154K | 5.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $15K | $15K | 0.55% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE PO BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 0.16% |
| LTF ENTERPRISES, INC.3 | 31P MOUNTAIN BOULEVARD WARREN, NJ 07059 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $112 | $0 | $112 | 0.00% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | METROPOLITAN LIFE INSURANCE COMPANY | $168K | $6K | $174K | 7.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $128K | $25K | $153K | 6.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD ROAD FOUR RADNOR CORP. CENTER, SUITE 510 RADNOR, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $235 | $235 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | HORIZON INSURANCE COMPANY | $83K | $0 | $83K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | HORIZON HEALTHCARE SERVICES, INC. | $49K | $0 | $49K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | INTERNATIONAL HEALTHCARE SERVICES | $48K | $0 | $48K | 5.00% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | TRANSAMERICA LIFE INSURANCE COMPANY | $115K | $0 | $115K | 12.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 FELLOWSHIP ROAD, SUITE 201 MOUNT LAUREL, NJ 08054 | TRANSAMERICA LIFE INSURANCE COMPANY | $28K | $0 | $28K | 2.94% |
| CITISTREET ASSOCIATES, LLC3 | 300 DAVIDSON AVENUE, 1ST FLOOR SOMERSET, NJ 08875 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.43% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $193K | $25K | $218K | 26.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MERIDAN CENTER, SUITE 100 ROCHESTER, NY 14618 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $56K | $0 | $56K | 6.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 0.56% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $188K | $0 | $188K | 27.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $60K | $0 | $60K | 8.68% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $510 | $6K | 35.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MERIDAN CENTER, SUITE 100 ROCHESTER, NY 14618 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $177 | $177 | 1.01% |
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 | 28,000 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 28,000 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 28,000 | $2.0M |
| Vision | HORIZON INSURANCE COMPANY | 19,715 | $1.7M |
| Life insurance(3 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 8,890 | $3.8M |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 8,890 | $2.8M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 15,806 | $2.4M |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 28,000 | $5.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28,000 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.