| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALIGHT SOLUTIONS3 | PO BOX 95135 CHICAGO, IL 606945135 | METROPOLITAN LIFE INSURANCE COMPANY | — | $15K | $15K | 1.47% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | $19K | $56K | 6.12% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 200 E RANDOLPH ST STE 900 CHICAGO, IL 606016420 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.35% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $92K | — | $92K | 18.90% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMERSET, NJ 088756718 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $2K | $26K | 15.65% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMERSET, NJ 088756718 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $3K | $26K | 16.08% |
| UNIVERS WORKPLACE BENEFITS3 Filed as: UNIVERS WORKPLACE BENEFITS CONCENTR | P.O. BOX 419623 BOSTON, MA 02241 | METLIFE LEGAL PLANS | $8K | $182 | $8K | 9.65% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | AN AON CORPORATION PO BOX 419623 BOSTON, MA 02241 | METLIFE LEGAL PLANS | — | $905 | $905 | 1.05% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | UNIVERS WORKPLACE SOLUTIONS 897 12TH STREET HAMMONTON, NJ 08037 | METLIFE LEGAL PLANS | — | $506 | $506 | 0.59% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMMERSET, NJ 088756718 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $839 | $4K | 7.74% |
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 | 3,082 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 52 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 927 | $162K |
| Vision(3 contracts) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS CO OF NY | 2,214 | $492K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,369 | $2.0M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,369 | $1.2M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,369 | $1.0M |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,369 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,369 | — |
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.