| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING -NEW YORK | ONE LIBERTY PLAZA SUITE 3201 165 BROADWAY NEW YORK, NY 10006 | FIRST UNUM LIFE INSURANCE COMPANY | — | $7K | $7K | 1.16% |
| AON CONSULTING INC3 Filed as: AON CONSULTING -NEW YORK | ONE LIBERTY PLAZA SUITE 3201 165 BROADWAY NEW YORK, NY 10006 | FIRST UNUM LIFE INSURANCE COMPANY | — | $2K | $2K | 1.15% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $2K | $22K | 17.59% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $2K | $27K | 23.41% |
| UNIVERS WORKPLACE BENEFITS3 Filed as: UNIVERS WORKPLACE BENEFITS CONCENTR | P.O. BOX 419623 BOSTON, MA 02241 | METLIFE LEGAL PLANS | $8K | — | $8K | 10.00% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $865 | $3K | 7.21% |
| AON CONSULTING INC3 Filed as: AON CONSULTING -NEW YORK | ONE LIBERTY PLAZA SUITE 3201 165 BROADWAY NEW YORK, NY 10006 | FIRST UNUM LIFE INSURANCE COMPANY | — | $445 | $445 | 1.17% |
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 | 1,887 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 54 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,941 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 899 | $285K |
| Vision | EYEMED VISION CARE | 2,127 | $327K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 1,902 | $573K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 194 | $38K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,902 | $199K |
| Other(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,902 | $652K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,127 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.