| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 555 EAST LANCASTER AVENUE RADNOR, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $66K | $28K | $94K | 2.48% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, SUITE 600 SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $47K | $31K | $79K | 2.08% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 955816 SAINT LOUIS, MO 63195 | DELTA DENTAL OF INDIANA | $18K | $0 | $18K | 1.34% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3600 CAPITAL OF TEXAS HIGHWAY NORTH BUILDING B, SUITE 100 AUSTIN, TX 78746 | DELTA DENTAL OF INDIANA | $9K | $0 | $9K | 0.66% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | TRANSAMERICA LIFE INSURANCE COMPANY | $19K | $0 | $19K | 10.61% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | TRANSAMERICA LIFE INSURANCE COMPANY | $16K | $0 | $16K | 8.92% |
| AMERICAN BEN. AND COMP. SYS. INC.3 Filed as: AMERICAN BEN. AND COMP. SYSTEM | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.35% |
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 | 2,077 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 65 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 3,320 | $1.3M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 2,769 | $197K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,136 | $3.8M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,136 | $3.8M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,247 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,320 | — |
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.