| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | MINNESOTA LIFE INSURANCE COMPANY | $0 | $245K | $245K | 2.27% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $103K | $80K | $182K | 3.56% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET PO BOX 1116 HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE COMPANY (VOYA) | $347K | $0 | $347K | 17.61% |
| 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) | $0 | $79K | $79K | 4.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIASTAR LIFE INSURANCE COMPANY (VOYA) | $59K | $0 | $59K | 3.01% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE | $69K | — | $69K | 4.75% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 3550 LENOX ROAD NE SUITE 1700 ATLANTA, GA 30305 | ZURICH AMERICAN INSURANCE COMPANY | $86K | — | $86K | 15.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $35K | $0 | $35K | 6.77% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 3550 LENOX ROAD NE SUITE 1700 ATLANTA, GA 30305 | ZURICH AMERICAN INSURANCE COMPANY | $5K | — | $5K | 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 | 12,730 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11,434 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9,793 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 33,957 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 29 | $552K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 336 | $852K |
| Vision | EYEMED VISION CARE | 8,914 | $1.5M |
| Life insurance | MINNESOTA LIFE INSURANCE COMPANY | 22,756 | $10.8M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 11,868 | $5.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 11,868 | $5.1M |
| Other(4 contracts, 3 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 22,756 | $13.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,756 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.