| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - PITTSBURGH | 75 REMITTANCE DR. SUITE 1446 CHICAGO, IL 60675 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 1.32% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - PITTSBURGH | 625 LIBERTY AVENUE PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $16K | $16K | 1.25% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 7505 FT WASHINGTON, PA 190347505 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | — | $28K | 4.15% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DR. SUITE 1446 CHICAGO, IL 60675 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12K | $12K | 1.79% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC - IL | 29840 NETWORK PLACE CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC. | $12K | — | $12K | 2.74% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - PITTSBURGH | 75 REMITTANCE DR. SUITE 1446 CHICAGO, IL 60675 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $47K | — | $47K | 15.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - PITTSBURGH | 625 LIBERTY AVENUE PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 1.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 29840 NETWORK PLACE CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC. | $5K | — | $5K | 2.73% |
| CUSTOM BENEFIT PROGRAMS INC3 | AN AON COMPANY PO BOX 6718 SOMERSET, NJ 08875 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $177K | $6K | $183K | 103.42% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 1 N WHITE HORSE PIKE #2 HAMMONTON, NJ 08037 | UNUM INSURANCE COMPANY | $16K | $2K | $17K | 27.56% |
| AON CONSULTING INC3 Filed as: AON HEWITT - PITTSBURGH, PA | 625 LIBERTY AVENUE 10TH FLOOR PITTSBURGH, PA 152223110 | EYEMED VISION CARE | $2K | — | $2K | 3.28% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 1 N WHITE HORSE PIKE #2 HAMMONTON, NJ 08037 | UNUM INSURANCE COMPANY | $14K | $2K | $16K | 31.18% |
| TCS INSURANCE AGENCY INC3 | 100 SMITH RANCH ROAD SUITE 340 SAN RAFAEL, CA 94903 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $774 | $690 | $1K | 2.98% |
| LOVASCO CONSULTING GROUP INC3 | ONE WOODWARD AVENUE SUITE 1500 DETROIT, MI 48226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.92% |
| THE UFER GROUP3 | 2370 E STADIUM BOULEVARD SUITE 1025 ANN ARBOR, MI 48104 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $81 | $40 | $121 | 0.25% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 1 N WHITE HORSE PIKE #2 HAMMONTON, NJ 08037 | UNUM INSURANCE COMPANY | $10K | $1K | $11K | 29.27% |
| TCS INSURANCE AGENCY INC3 | 100 SMITH RANCH ROAD SUITE 340 SAN RAFAEL, CA 94903 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 7.00% |
| LOVASCO CONSULTING GROUP INC3 | ONE WOODWARD AVENUE SUITE 1500 DETROIT, MI 48226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $982 | — | $982 | 5.00% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH STREET SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $196 | $196 | 1.00% |
| AON CONSULTING INC3 Filed as: AON HEWITT - PITTSBURGH, PA | 625 LIBERTY AVENUE PITTSBURGH, PA 15222 | EYEMED VISION CARE | $12 | — | $12 | 3.24% |
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 | 1,284 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 69 | $636K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,627 | $666K |
| Vision(2 contracts) | EYEMED VISION CARE | 1,424 | $61K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,455 | $1.7M |
| Long-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,455 | $1.3M |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 69 | $636K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,455 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,455 | — |
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.