| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | PO BOX 1447 LINCOLNSHIRE, IL 60069 | MINNESOTA LIFE INSURANCE COMPANY | $69K | — | $69K | 5.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | MINNESOTA LIFE INSURANCE COMPANY | — | $32K | $32K | 2.32% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $13K | $13K | 1.39% |
| AON CONSULTING INC3 | PO BOX 1447 LINCOLNSHIRE, IL 60069 | MINNESOTA LIFE INSURANCE COMPANY | $28K | — | $28K | 5.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | MINNESOTA LIFE INSURANCE COMPANY | — | $13K | $13K | 2.32% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | MSC# 17755 PO BOX 1447 LINCOLNSHIRE, IL 60069 | EYEMED VISION CARE | $40K | — | $40K | 7.24% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 200 E RANDOLPH ST FLOORS 3-15 CHICAGO, IL 60601 | EYEMED VISION CARE | $20K | — | $20K | 3.67% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 419623 BOSTON, MA 02241 | SECURIAN LIFE INSURANCE COMPANY | $25K | $11K | $36K | 7.25% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 419623 BOSTON, MA 02241 | SECURIAN LIFE INSURANCE COMPANY | $45K | $10K | $55K | 12.20% |
| AON CONSULTING INC3 Filed as: AON | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES ('CIGNA') | $5K | — | $5K | 2.74% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 419623 BOSTON, MA 02241 | SECURIAN LIFE INSURANCE COMPANY | $9K | $3K | $12K | 7.84% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | AN AON COMPANY PO BOX 419623 BOSTON, MA 02241 | METLIFE LEGAL PLANS | $12K | $2K | $14K | 10.18% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | UNIVERS WORKPLACE SOLUTIONS 897 12TH STREET HAMMONTON, NJ 08037 | METLIFE LEGAL PLANS | — | $740 | $740 | 0.55% |
| AON CONSULTING INC3 | PO BOX 1447 LINCOLNSHIRE, IL 60069 | MINNESOTA LIFE INSURANCE COMPANY | $7K | — | $7K | 5.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | MINNESOTA LIFE INSURANCE COMPANY | — | $3K | $3K | 2.25% |
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 | 4,742 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,534 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2,160 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,436 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 1,467 | $2.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES ('CIGNA') | 673 | $176K |
| Vision | EYEMED VISION CARE | 5,743 | $549K |
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 4,808 | $1.9M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,451 | $909K |
| Other(7 contracts, 5 carriers) | SECURIAN LIFE INSURANCE COMPANY | 5,375 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,743 | — |
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.