| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC NJ | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | — | $33K | $33K | 1.26% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | — | $6K | $6K | 0.22% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET STE 300 HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE COMPANY | $227K | — | $227K | 29.69% |
| BSC AGENCY LLC3 | 1025 ASHWORTH ROAD WEST DES MOINES, IA 502653542 | RELIASTAR LIFE INSURANCE COMPANY | — | $31K | $31K | 4.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIASTAR LIFE INSURANCE COMPANY | $26K | — | $26K | 3.38% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | TRANSAMERICA LIFE INSURANCE COMPANY | $54K | — | $54K | 34.28% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 1 S WACKER DR STE 3350 CHICAGO, IL 60606 | HEALTH CARE SERVICE CORPORATION | — | $135K | $135K | 136.22% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | ARAG INSURANCE COMPANY | $35K | — | $35K | 50.00% |
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 | 6,004 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,029 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 629 | $5.5M |
| Dental | HAWAII MEDICAL SERVICE ASSOCIATION | 2 | $12K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 7,067 | $564K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 7,007 | $2.8M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 7,007 | $2.6M |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 629 | $5.5M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 7,007 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,067 | — |
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.