| 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 | — | $8K | $8K | 0.86% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 0.83% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | PO BOX 6718 SOMERSET, NJ 08875 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.21% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. NJ | 220 W MAIN ST STE 1800 LOUISVILLE, KY 40202 | HARTFORD FIRE INSURANCE COMPANY | — | $28 | $28 | 0.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC. EIN 23-1294723 MEDICAL ADMIN FEES | Contract Administrator; Claims processing Service code 12 | — | $941K |
| UHC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $359K |
| EXPRESS SCRIPTS, INC. EIN 30-0789911 RX ADMIN FEES | Claims processing; Contract Administrator Service code 12 | — | $176K |
| LINCOLN FINANCIAL GROUP EIN 35-0472300 STD ASO FEES | Contract Administrator; Claims processing Service code 12 | — | $94K |
| COMPSYCH EIN 36-3739783 TPA | Contract Administrator; Claims processing Service code 12 | — | $39K |
| DELTA DENTAL EIN 39-6094742 DENTAL ADMIN FEES | Contract Administrator; Claims processing Service code 12 | — | $30K |
| CHARD, SNYDER & ASSOCIATES, LLC FSA FEES | Claims processing; Contract Administrator Service code 12 | PO BOX 249 FORT WASHINGTON, PA 19034 | $18K |
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 | 1,823 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,833 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FSL | 1,591 | $178K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,823 | $894K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,729 | $438K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,823 | $309K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,823 | — |
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.