| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $219K | $43K | $262K | 10.57% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 0.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. - NEW JERSEY | 29840 NETWORK PLACE CHICAGO, IL 606731298 | HARTFORD LIFE AND ACCIDENT | $211K | $23K | $235K | 12.17% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 0.21% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | PO BOX 6718 SOMERSET, NJ 08875 | METROPOLITAN LIFE INSURANCE COMPANY | $329K | $6K | $335K | 59.43% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC - CHICAGO | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $16K | — | $16K | 4.97% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | PO BOX 6718 SOMERSET, NJ 08875 | METROPOLITAN LIFE INSURANCE COMPANY | $155K | $3K | $158K | 65.46% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | PO BOX 6718 SOMERSET, NJ 08875 | METROPOLITAN LIFE INSURANCE COMPANY | $101K | $2K | $103K | 47.97% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $71K | — | $71K | 33.70% |
| AON CONSULTING INC4 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $24K | — | $24K | 17.00% |
| PEAK POINT INTERNATIONAL LLC4 | 9220 WATERFORD LN. POWDER SPRINGS, GA 30127 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $3K | — | $3K | 2.48% |
| SELF DEFINED INC4 | 14300 TURNER WOOTTON PKWY UPPER MARLSBORO, MD 20774 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $882 | — | $882 | 0.63% |
| BERTRAM L CALHOUN4 | 929 WENDLEBURY CT. ALPHARETTA, GA 30004 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $661 | — | $661 | 0.48% |
| BRIAN CARRUTHERS LLC4 | 43604 TUCKAWAY PL LEESBURG, VA 20176 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $220 | — | $220 | 0.16% |
| VAGIB CORP3 Filed as: VAGIB CORP. | URB. ROOSEVELT 482 CESAR GONZALEZ SAN JUAN, PR 009182627 | MCS LIFE INSURANCE COMPANY | $8K | — | $8K | 100.00% |
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 | 6,174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 346 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,520 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,092 | $785K |
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,606 | $218K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 5,718 | $334K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 11,657 | $2.5M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 7,741 | $1.9M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 7,741 | $1.9M |
| Prescription drug | MCS LIFE INSURANCE COMPANY | 25 | $8K |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 11,657 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,657 | — |
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."
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.