| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | MINNESOTA LIFE INSURANCE COMPANY | $0 | $187K | $187K | 1.73% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $82K | — | $82K | 0.94% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET PO BOX 1116 HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE COMPANY (VOYA) | $1.1M | — | $1.1M | 66.10% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIASTAR LIFE INSURANCE COMPANY (VOYA) | $70K | — | $70K | 4.09% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES, INC | 9009 WEST LOOP S STE 600 HOUSTON, TX 770961719 | RELIASTAR LIFE INSURANCE COMPANY (VOYA) | — | $55K | $55K | 3.22% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE | $56K | — | $56K | 5.02% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 3550 LENOX ROAD NE SUITE 1700 ATLANTA, GA 30305 | ZURICH AMERICAN INSURANCE COMPANY | $80K | — | $80K | 15.00% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 3550 LENOX ROAD NE SUITE 1700 ATLANTA, GA 30305 | ZURICH AMERICAN INSURANCE COMPANY | $6K | — | $6K | 15.00% |
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 | 12,317 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12,114 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4,464 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 28,895 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | NETWORK HEALTH INC. | 137 | $4.3M |
| Dental(3 contracts, 3 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 391 | $853K |
| Vision | EYEMED VISION CARE | 8,288 | $1.1M |
| Life insurance | MINNESOTA LIFE INSURANCE COMPANY | 22,697 | $10.8M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 11,436 | $8.7M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 11,436 | $8.7M |
| Other(4 contracts, 3 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 42,000 | $13.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 42,000 | — |
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.