| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | PO BOX 1447 LINCOLNSHIRE, IL 60069 | SECURIAN LIFE INSURANCE COMPANY | — | $37K | $37K | 2.29% |
| AON CONSULTING INC3 Filed as: AON RISK SOLUTIONS OF PR, INC. | PO BOX 191229 SAN JUAN, PR 009191229 | MCS LIFE INSURANCE COMPANY | $78K | — | $78K | 4.95% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $61K | $21K | $83K | 6.71% |
| AON CONSULTING INC3 | 200 E RANDOLPH ST STE 900 CHICAGO, IL 606016420 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 0.40% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $34K | $13K | $47K | 4.13% |
| AON CONSULTING INC3 | PO BOX 1447 LINCOLNSHIRE, IL 60069 | SECURIAN LIFE INSURANCE COMPANY | $31K | $24K | $54K | 5.29% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $192K | $7K | $199K | 37.61% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMERSET, NJ 088756718 | METROPOLITAN LIFE INSURANCE COMPANY | -$38K | $1K | -$36K | -6.88% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BNFT PROGRAMS INC | AN AON COMPANY PO BOX 6718 SOMERSET, NJ 08875 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $150K | $13K | $163K | 31.65% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 60694 | METROPOLITAN GENERAL INSURANCE COMPANY | $26K | $3K | $29K | 8.74% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES, LLC | HEWITT INSURANCE BROKERAGE 39030 TREASURY CENTER CHICAGO, IL 60694 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $1K | $1K | 0.41% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 10 LANIDEX CENTER WEST PARSIPPANY, NJ 07054 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $1K | $1K | 0.32% |
| AON CONSULTING INC3 | 200 E RANDOLPH ST STE 900 CHICAGO, IL 606016420 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $192 | $192 | 0.06% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMERSET, NJ 088756718 | METROPOLITAN LIFE INSURANCE COMPANY | $53K | $1K | $54K | 17.59% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.92% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMERSET, NJ 088756718 | METROPOLITAN LIFE INSURANCE COMPANY | $82K | $1K | $84K | 27.20% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.93% |
| AON CONSULTING INC3 | PO BOX 1447 LINCOLNSHIRE, IL 60069 | SECURIAN LIFE INSURANCE COMPANY | — | $6K | $6K | 2.28% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $4K | $19K | 11.42% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMERSET, NJ 088756718 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $811 | $2K | 1.16% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $5K | $5K | 8.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $2K | $2K | 18.33% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $356 | $112 | $468 | 8.32% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $414 | $414 | 10.34% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $141 | $141 | 5.38% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - EXB | EMPLOYEE RISK 200 E RANDOLPH ST CHICAGO, IL 60601 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.57% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $35 | $35 | 12.54% |
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 | 7,734 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 419 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 290 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,443 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(14 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | 5,113 | $6.1M |
| Dental | MCS LIFE INSURANCE COMPANY | 294 | $1.6M |
| Vision | EYEMED VISION CARE | 11,675 | $634K |
| Life insurance(6 contracts, 4 carriers) | SECURIAN LIFE INSURANCE COMPANY | 6,777 | $6.2M |
| Long-term disability(6 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 7,470 | $1.2M |
| Prescription drug | MCS LIFE INSURANCE COMPANY | 294 | $1.6M |
| Other(6 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,102 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,675 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.