| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | MINNESOTA LIFE INSURANCE COMPANY | $72K | $33K | $105K | 7.33% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $20K | $20K | 2.33% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 39030 TREASURY CENTER CHICAGO, IL 606949000 | EYEMED VISION CARE | $42K | — | $42K | 5.64% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29480 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $32K | — | $32K | 4.29% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29480 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $6K | — | $6K | 0.78% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | MINNESOTA LIFE INSURANCE COMPANY | $29K | $14K | $42K | 7.33% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 419623 BOSTON, MA 02241 | SECURIAN LIFE INSURANCE COMPANY | $336K | $10K | $346K | 72.12% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 419623 BOSTON, MA 02241 | SECURIAN LIFE INSURANCE COMPANY | $137K | $4K | $141K | 72.20% |
| AON CONSULTING INC3 Filed as: AON | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES ('CIGNA') | $6K | — | $6K | 3.28% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | MINNESOTA LIFE INSURANCE COMPANY | $8K | $3K | $11K | 7.26% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFIT PROGRAMS AN AON COM. | PO BOX 419623 BOSTON, MA 02241 | METLIFE LEGAL PLANS | $13K | — | $13K | 10.04% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | UNIVERS WORKPLACE SOLUTIONS 897 12TH STREET HAMMONTON, NJ 08037 | METLIFE LEGAL PLANS | — | $2K | $2K | 1.33% |
| BENEPLACE, INC.3 Filed as: BENEPLACE | P.O. BOX 203550 AUSTIN, TX 78720 | METLIFE LEGAL PLANS | — | $1K | $1K | 1.02% |
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 | 5,565 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,285 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,987 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,837 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 1,593 | $2.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES ('CIGNA') | 772 | $187K |
| Vision | EYEMED VISION CARE | 7,497 | $740K |
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 5,682 | $2.0M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,815 | $867K |
| Other(6 contracts, 5 carriers) | SECURIAN LIFE INSURANCE COMPANY | 6,862 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,497 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.