| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | 220 WEST MAIN STREET SUITE 1855 LOUISVILLE, KY 40202 | BLUE CROSS BLUE SHIELD OF MS, INC. | $26K | — | $26K | 1.66% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 955909 SAINT LOUIS, MO 63195 | SUN LIFE INSURANCE COMPANY OF CANADA | $8K | — | $8K | 5.90% |
| GETTYSBURG BENEFITS ADMINISTRATORS3 | 777 BALTIMORE ST. STE. 97 GETTYSBURG, PA 173252600 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 17.99% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH ST. PO BOX 1116 HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $113 | $6K | 13.37% |
| SCOTT REYNOLDS3 | 423 TROON CIR. DAVENPORT, FL 338976313 | METROPOLITAN LIFE INSURANCE COMPANY | $685 | — | $685 | 1.64% |
| GETTYSBURG BENEFITS ADMINISTRATORS3 | 777 BALTIMORE ST. STE. 97 GETTYSBURG, PA 173252600 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 16.00% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $111 | $4K | 11.96% |
| SCOTT REYNOLDS3 | 423 TROON CIR. DAVENPORT, FL 338976313 | METROPOLITAN LIFE INSURANCE COMPANY | $535 | — | $535 | 1.46% |
| GETTYSBURG BENEFITS ADMINISTRATORS3 | 777 BALTIMORE ST. SUITE 97 GETTYSBURG, PA 173252600 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 16.71% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $91 | $4K | 12.48% |
| SCOTT REYNOLDS3 | 423 TROON CIR. DAVENPORT, FL 338976313 | METROPOLITAN LIFE INSURANCE COMPANY | $448 | — | $448 | 1.52% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $53 | $2K | 10.18% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $137 | $137 | 0.77% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $50 | $50 | 0.28% |
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 | 255 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MS, INC. | 386 | $1.6M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 357 | $18K |
| Life insurance | SUN LIFE INSURANCE COMPANY OF CANADA | 255 | $139K |
| Short-term disability | SUN LIFE INSURANCE COMPANY OF CANADA | 255 | $139K |
| Long-term disability | SUN LIFE INSURANCE COMPANY OF CANADA | 255 | $139K |
| Other(2 contracts, 2 carriers) | SUN LIFE INSURANCE COMPANY OF CANADA | 255 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 386 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.