| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $82K | $82K | 6.39% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FLORIDA | SUITE 210 4651 SALISBURY RD JACKSONVILLE, FL 32256 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | $2K | $29K | 16.25% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $10K | $694 | $10K | 10.66% |
| SELERIX INSURANCE SERVICES, LLC3 | 2851 CRAIG DRIVE SUITE 300 MCKINNEY, TX 75072 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 27.84% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFITS PROG INC AN AON CO | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 18.56% |
| SELERIX SYSTEMS INC3 Filed as: SELERIX SYSTEMS, INC. | PO BOX 679999 DALLAS, TX 75267 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $546 | $546 | 3.47% |
| SELERIX INSURANCE SERVICES, LLC3 | 2851 CRAIG DRIVE DALLAS, TX 75267 | COMBINED INSURANCE | $1K | — | $1K | 10.61% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | PO BOX 6718 SOMERSET, NJ 088756718 | COMBINED INSURANCE | $1K | — | $1K | 7.08% |
| SELERIX INSURANCE SERVICES, LLC3 | 2851 CRAIG DRIVE SUITE 300 MCKINNEY, TX 75072 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 27.99% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFITS PROG INC AN AON CO | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 18.66% |
| SELERIX SYSTEMS INC3 Filed as: SELERIX SYSTEMS, INC. | PO BOX 679999 DALLAS, TX 75267 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $547 | $547 | 4.42% |
| SELERIX INSURANCE SERVICES, LLC3 | 2851 CRAIG DRIVE SUITE 300 MCKINNEY, TX 75072 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 27.64% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFITS PROG INC | AN AON COMPANY PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 18.43% |
| SELERIX SYSTEMS INC3 Filed as: SELERIX SYSTEMS, INC. | PO BOX 679999 DALLAS, TX 75267 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $546 | $546 | 5.19% |
| CUSTOM BENEFITS PROGRAMS3 | AN AON COMPANY PO BOX 419623 BOSTON, MA 02241 | METROPOLITAN GENERAL INSURANCE COMPANY | $512 | $72 | $584 | 11.40% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 214 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 140 | $96K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 140 | $96K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $195K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $181K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $181K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 182 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.