| 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 | — | $9K | $9K | 1.25% |
| 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 | — | $5K | $5K | 1.25% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $2K | $19K | 11.27% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $2K | $24K | 16.47% |
| UNIVERS WORKPLACE BENEFITS3 Filed as: UNIVERS WORKPLACE BENEFITS CONCENTR | P.O. BOX 419623 BOSTON, MA 02241 | METLIFE LEGAL PLANS | $10K | $102 | $10K | 11.02% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | UNIVERS WORKPLACE SOLUTIONS 897 12TH STREET HAMMONTON, NJ 08037 | METLIFE LEGAL PLANS | — | $700 | $700 | 0.79% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | AN AON CORPORATION PO BOX 419623 BOSTON, MA 02241 | METLIFE LEGAL PLANS | — | $304 | $304 | 0.34% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC (NJ) | 199 WATER STREET 12TH FLOOR NEW YORK, NY 10038 | METLIFE LEGAL PLANS | — | $95 | $95 | 0.11% |
| 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 | — | $707 | $707 | 1.25% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $819 | $4K | 7.00% |
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 | 1,879 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,917 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 875 | $146K |
| Vision(2 contracts) | EYEMED VISION CARE | 2,484 | $403K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 2,193 | $707K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 211 | $57K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 2,193 | $426K |
| Other(5 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 2,193 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,484 | — |
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."
No prospect flags tripped on this filing.