| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $14K | $14K | 1.66% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 1.69% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | PO BOX 6718 SOMERSET, NJ 08875 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $41K | — | $41K | 14.84% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $238 | $238 | 0.29% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $198 | $198 | 0.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC. EIN 23-1294723 MEDICAL ADMIN FEES | Contract Administrator; Claims processing Service code 12 | — | $1.2M |
| UHC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $323K |
| EXPRESS SCRIPTS, INC. EIN 30-0789911 RX ADMIN FEES | Contract Administrator; Claims processing Service code 12 | — | $292K |
| DELTA DENTAL EIN 39-6094742 DENTAL ADMIN FEES | Contract Administrator; Claims processing Service code 12 | — | $57K |
| COMPSYCH EIN 36-3739783 TPA | Claims processing; Contract Administrator Service code 12 | — | $39K |
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 | 2,166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FSL | 1,602 | $179K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,166 | $867K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,599 | $83K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,587 | $399K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,570 | $302K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,166 | — |
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."
No prospect flags tripped on this filing.