| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - GREEN BAY | 111 N WASHINGTON ST, STE 300 GREEN BAY, WI 54301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $111K | $9K | $119K | 17.17% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60673 | RELIASTAR LIFE INSURANCE COMPANY | $107K | $16K | $123K | 18.84% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET PO BOX 1116 HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE COMPANY | $76K | — | $76K | 11.69% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - GREEN BAY | 111 N WASHINGTON ST, STE 300 GREEN BAY, WI 54301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $8K | $8K | 1.25% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS BENEFIT GROUP LLC | 1200 N. MAYFAIR ROAD SUITE 100 MILWAUKEE, WI 53226 | ACE 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 | 3,315 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 58 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,339 | $1.3M |
| Short-term disability | ACE AMERICAN INSURANCE COMPANY | 3,315 | $39K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,339 | $645K |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,339 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,339 | — |
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.