| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNITEDHEALTHCARE INSURANCE COMPANY | $154K | — | $154K | 3.11% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $18K | $2K | $20K | 16.83% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $14K | $2K | $16K | 16.82% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $12K | $2K | $14K | 17.14% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | AN AON COMPANY PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $188 | $1K | 5.40% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | AN AON COMPANY PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $144 | $2K | 9.90% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | AN AON COMPANY PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $148 | $2K | 9.91% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | AN AON COMPANY PO BOX 419623 BOSTON, MA 02241 | METROPOLITAN GENERAL INSURANCE COMPANY | $802 | $153 | $955 | 13.18% |
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 | 385 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 695 | $4.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 695 | $4.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 695 | $4.9M |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 386 | $96K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 386 | $82K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 386 | $118K |
| Other(4 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 112 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 695 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.