| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $116K | $116K | 1.50% |
| AON CONSULTING INC3 | DBA AON CONSULTING OF NEW JERSEY 259 N RADNOR CHESTER RD RADNOR, PA 190875240 | METROPOLITAN LIFE INSURANCE COMPANY | — | $111 | $111 | 0.00% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 08037 | UNITEDHEALTHCARE INSURANCE COMPANY | $2.1M | — | $2.1M | 45.91% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $52K | $52K | 1.17% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731296 | METROPOLITAN LIFE INSURANCE COMPANY | — | $112 | $112 | 0.00% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 1.04% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731296 | METROPOLITAN LIFE INSURANCE COMPANY | — | $112 | $112 | 0.02% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.08% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731296 | METROPOLITAN LIFE INSURANCE COMPANY | — | $112 | $112 | 0.04% |
| AON CONSULTING INC3 | 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $5K | — | $5K | 20.00% |
| AON CONSULTING INC3 | 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $5K | — | $5K | 20.00% |
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 | 29,838 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12,087 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 41,925 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 981 | $11.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 21 | $491K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 38,090 | $2.9M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 43,208 | $7.7M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,123 | $787K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 34,521 | $4.5M |
| Other(7 contracts, 6 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 43,208 | $13.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 43,208 | — |
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.