| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | PO BOX 1447 LINCOLNSHIRE, IL 60069 | MINNESOTA LIFE INSURANCE COMPANY | $76K | — | $76K | 4.98% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | MINNESOTA LIFE INSURANCE COMPANY | — | $35K | $35K | 2.33% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $14K | $14K | 1.79% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 200 E RANDOLPH ST CHICAGO, IL 60601 | EYEMED VISION CARE | $40K | — | $40K | 6.21% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 200 E RANDOLPH ST FLOOR 3-15 CHICAGO, IL 60601 | EYEMED VISION CARE | $32K | — | $32K | 4.97% |
| AON CONSULTING INC3 | PO BOX 1447 LINCOLNSHIRE, IL 60069 | MINNESOTA LIFE INSURANCE COMPANY | $30K | — | $30K | 4.98% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | MINNESOTA LIFE INSURANCE COMPANY | — | $14K | $14K | 2.33% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 419623 BOSTON, MA 02241 | SECURIAN LIFE INSURANCE COMPANY | $58K | $12K | $70K | 12.83% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 419623 BOSTON, MA 02241 | SECURIAN LIFE INSURANCE COMPANY | $304K | $10K | $313K | 72.19% |
| AON CONSULTING INC3 Filed as: AON | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES ('CIGNA') | $6K | — | $6K | 3.34% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | 200 E RANDOLPH STREET CHICAGO, IL 60601 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES ('CIGNA') | -$110 | — | -$110 | -0.06% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 419623 BOSTON, MA 02241 | SECURIAN LIFE INSURANCE COMPANY | $16K | $4K | $20K | 11.66% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFIT PROGRAMS AN AON CO. | PO BOX 419623 BOSTON, MA 02241 | METLIFE LEGAL PLANS | $12K | $148 | $12K | 8.14% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | UNIVERS WORKPLACE SOLUTIONS 897 12TH STREET HAMMONTON, NJ 08037 | METLIFE LEGAL PLANS | — | $2K | $2K | 1.00% |
| 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 | 2.27% |
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 | 4,906 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,431 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2,167 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,504 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 1,548 | $2.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES ('CIGNA') | 669 | $177K |
| Vision | EYEMED VISION CARE | 6,028 | $649K |
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 4,912 | $2.1M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,590 | $805K |
| Other(7 contracts, 5 carriers) | SECURIAN LIFE INSURANCE COMPANY | 5,856 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,028 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.