| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARIOUS - SEE ATTACHED3 Filed as: CONTINENTAL AMERICAN INSURANCE CO. | VARIOUS AGENTS POST OFFICE BOX 427 COLUMBIA, SC 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $371K | — | $371K | 16.06% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731296 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $121K | $7K | $128K | 8.21% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | PO BOX 955909 ST. LOUIS, MO 631955909 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $10K | $10K | 0.66% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAMS INC | 897 12TH STREET HAMMONTON, NJ 080371363 | CONTINENTAL AMERICAN INSURANCE COMPANY | $68K | — | $68K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731296 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $27K | $3K | $29K | 4.86% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | PO BOX 955909 ST. LOUIS, MO 631955909 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $6K | $6K | 0.93% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - HOUSTON, TX | 29840 NETWORK PLACE CHICAGO, IL 60673 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $44K | — | $44K | 9.96% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | ALPHA DENTAL PROGRAMS, INC. | $38K | — | $38K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS, INC. | $11K | — | $11K | 9.54% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | METLIFE LEGAL PLANS, INC. | — | $354 | $354 | 0.31% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - HOUSTON, TX | 29840 NETWORK PLACE CHICAGO, IL 60673 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $445 | — | $445 | 18.07% |
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 | 7,651 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,682 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ALPHA DENTAL PROGRAMS, INC. | 1,284 | $380K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 7,180 | $445K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 7,651 | $1.6M |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 2,221 | $679K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,025 | $606K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 7,651 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,651 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.