| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | MINNESOTA LIFE INSURANCE COMPANY | $78K | $36K | $114K | 7.31% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $16K | $16K | 1.63% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 200 E. RANDOLPH ST. CHICAGO, IL 60601 | EYEMED VISION CARE | $93K | — | $93K | 12.76% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29480 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $19K | — | $19K | 2.60% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | MINNESOTA LIFE INSURANCE COMPANY | $30K | $14K | $44K | 7.31% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 419623 BOSTON, MA 02241 | SECURIAN LIFE INSURANCE COMPANY | $108K | $13K | $121K | 21.74% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 419623 BOSTON, MA 02241 | SECURIAN LIFE INSURANCE COMPANY | $32K | $5K | $36K | 17.45% |
| 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% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | MINNESOTA LIFE INSURANCE COMPANY | $8K | $4K | $11K | 7.25% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFIT PROGRAMS AN AON COM. | PO BOX 419623 BOSTON, MA 02241 | METLIFE LEGAL PLANS | $15K | $609 | $15K | 10.39% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | UNIVERS WORKPLACE SOLUTIONS 897 12TH STREET HAMMONTON, NJ 08037 | METLIFE LEGAL PLANS | — | $2K | $2K | 1.39% |
| BENEPLACE, INC.3 Filed as: BENEPLACE | P.O. BOX 203550 AUSTIN, TX 78720 | METLIFE LEGAL PLANS | — | $6 | $6 | 0.00% |
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 | 5,375 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,451 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2,103 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,929 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 1,583 | $2.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES ('CIGNA') | 759 | $197K |
| Vision | EYEMED VISION CARE | 6,929 | $727K |
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 5,474 | $2.2M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,803 | $971K |
| Other(6 contracts, 5 carriers) | SECURIAN LIFE INSURANCE COMPANY | 6,541 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,929 | — |
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.