| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | P.O. BOX 905494 CHARLOTTE, NC 282905494 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $32K | — | $32K | 7.99% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731296 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $20K | $1K | $22K | 8.26% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $2K | $2K | 0.74% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC | PO BOX 956012 ST. LOUIS, MO 60675 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $998 | $998 | 0.38% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731296 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $14K | $947 | $15K | 8.29% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $1K | $1K | 0.75% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | P.O. BOX 956012 ST. LOUIS, MO 60675 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $1K | $1K | 0.68% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731296 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $12K | $20K | $32K | 21.21% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $1K | $1K | 0.98% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICE CENTRAL, INC. | P.O. BOX 956012 ST. LOUIS, MO 60675 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $315 | $315 | 0.21% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 080371363 | RELIASTAR LIFE INSURANCE COMPANY | $49K | $5K | $54K | 62.12% |
| AON CONSULTING INC3 Filed as: AON HEWITT - CHARLOTTE | 29840 NETWORK PLACE CHICAGIO, IL 60673 | EYEMED VISION CARE | $5K | — | $5K | 6.48% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 843844 KANSAS CITY, MO 64184 | EYEMED VISION CARE | $2K | — | $2K | 2.20% |
| FLEXVISION - MD3 | 15400 CALHOUN DRIVE ROCKVILLE, MD 20855 | EYEMED VISION CARE | $1K | — | $1K | 1.97% |
| THOMAS OWENS4 | P.O. BOX 781431 WICHITA, KS 67278 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 6.46% |
| LOCKTON COMPANIES, LLC4 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $454 | — | $454 | 2.83% |
| AON CONSULTING INC4 Filed as: AON CONSULTING INC. | 29848 NETWORK PLACE CHICAGO, IL 60673 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $260 | — | $260 | 1.62% |
| JULIE J STEFEK4 | 500 JARVIS ROAD COPPERAS COVE, TX 76522 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $167 | — | $167 | 1.04% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: MHBT INC | 2500 BEE CAVE ROAD SUITE 125 AUSTIN, TX 78746 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $130 | — | $130 | 0.81% |
| MARK E SULLIVAN4 | 9211 FOREST CREEK DRIVE TOMBALL, TX 77375 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $85 | — | $85 | 0.53% |
| GREGORY A BARONE4 | 21815 RED ASHBERRY TRAIL CYPRESS, TX 77433 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $75 | — | $75 | 0.47% |
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 | 716 | 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) | 716 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 618 | $399K |
| Vision | EYEMED VISION CARE | 1,083 | $70K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 716 | $175K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 612 | $262K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 716 | $151K |
| Other(3 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 716 | $278K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,083 | — |
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.