| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - MINNEAPOLIS | 8300 NORMAN CENTER DR. MINNEAPOLIS, MN 55437 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $20K | $20K | 1.25% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - MINNEAPOLIS | 8300 NORMAN CENTER DR. MINNEAPOLIS, MN 55437 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $10K | $10K | 1.25% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - MINNEAPOLIS | 8300 NORMAN CENTER DR. MINNEAPOLIS, MN 55437 | UNUM INSURANCE COMPANY | $19K | $3K | $23K | 7.57% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 1 N WHITE HORSE PIKE #2 HAMMONTON, NJ 08037 | UNUM INSURANCE COMPANY | $1K | $497 | $2K | 0.58% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - MINNEAPOLIS | 8300 NORMAN CENTER DR. MINNEAPOLIS, MN 55437 | UNUM INSURANCE COMPANY | $13K | $5K | $17K | 6.93% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 1 N WHITE HORSE PIKE #2 HAMMONTON, NJ 08037 | UNUM INSURANCE COMPANY | $996 | $293 | $1K | 0.51% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - MINNEAPOLIS | 8300 NORMAN CENTER DR. MINNEAPOLIS, MN 55437 | UNUM INSURANCE COMPANY | $12K | $4K | $17K | 6.78% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 1 N WHITE HORSE PIKE #2 HAMMONTON, NJ 08037 | UNUM INSURANCE COMPANY | $1K | $373 | $2K | 0.69% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. IL | PO BOX 956012 ST. LOUIS, MO 63195 | METLIFE LEGAL PLANS, INC. | $10K | $396 | $10K | 13.89% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | NORTHERN TRUST BANK 75 REMITTANCE DR. STE 1446 CHICAGO, IL 60675 | METLIFE LEGAL PLANS, INC. | — | $553 | $553 | 0.77% |
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 | 5,868 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,911 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,884 | $1.6M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,653 | $804K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,884 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,884 | — |
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."
No prospect flags tripped on this filing.