| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 282905494 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 5.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 1.17% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 15.49% |
| SVETLANA ZEITLIN3 | 1020 N DELAWARE AVENUE FLOOR 4 PHILADELPHIA, PA 19125 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 5.19% |
| ROBIN SHIVELY3 Filed as: ROBIN E SHIVELY | 327 SCOLA ROAD BROOKHAVEN, PA 19015 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 4.06% |
| STEPHANIE A CANFIELD3 | 529 FAYETTE STREET CONSHOHOCKEN, PA 19428 | CONTINENTAL AMERICAN INSURANCE COMPANY | $317 | — | $317 | 0.97% |
| LAUNCHPAD BENEFITS SOLUTIONS LLC3 Filed as: LAUNCHPAD BENEFIT SOLUTIONS LLC | 529 FAYETTE STREET SUITE 202 CONSHOHOCKEN, PA 19428 | CONTINENTAL AMERICAN INSURANCE COMPANY | $315 | — | $315 | 0.97% |
| MATHEW T. OHANLON3 Filed as: MATHEW THOMAS O'HANLON | 529 FAYETTE STREET SUITE 202 CONSHOHOCKEN, PA 19428 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | — | $49 | 0.15% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 606731298 | AETNA LIFE INSURANCE CO. | — | $8K | $8K | 24.65% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | AETNA LIFE INSURANCE CO. | — | $146 | $146 | 0.45% |
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 | 708 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 713 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 683 | $247K |
| Vision | AETNA LIFE INSURANCE CO. | 578 | $32K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 809 | $272K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 104 | $33K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 809 | $272K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 809 | $305K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 809 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.