| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST, INC | C/O NORTHERN TRUST - DB 75 REMITTANCE DRIVE DEPT 1446 CHICAGO, IL 60675 | DELTA DENTAL OF OHIO | $12K | — | $12K | 9.86% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST | AON MSC 17854 PO BOX 7505 FORT WASHINGTON, PA 19034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $509 | $5K | 12.99% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST, INC | PO BOX 955909 ST LOUIS, MO 63195 | VISION SERVICE PLAN | $4K | — | $4K | 9.15% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST | AON MSC 17854 PO BOX 7505 FORT WASHINGTON, PA 19034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $328 | $4K | 16.25% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $632 | $3K | 21.58% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH ST HAMMONTON, NJ 08037 | UNUM INSURANCE COMPANY | $1K | $419 | $1K | 16.85% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH ST HAMMONTON, NJ 08037 | UNUM INSURANCE COMPANY | $1K | $420 | $2K | 19.99% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM INSURANCE COMPANY | $799 | $307 | $1K | 17.88% |
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 | 272 | 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) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 325 | $120K |
| Vision | VISION SERVICE PLAN | 148 | $38K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 257 | $67K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 30 | $13K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 257 | $41K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 257 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.