| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | PO BOX 26725 KANSAS CITY, MO 64196 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 6.23% |
| AON CONSULTING INC3 | PO BOX 26725 KANSAS CITY, MO 64196 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 15.43% |
| FOODCHAIN ID GROUP INC3 | 504 N 4TH STREET SUITE 204 FAIRFIELD, IA 52556 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 3.04% |
| AON CONSULTING INC3 | PO BOX 26725 KANSAS CITY, MO 64196 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| FOODCHAIN ID GROUP INC3 | 504 N 4TH STREET SUITE 204 FAIRFIELD, IA 52556 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 3.00% |
| AON CONSULTING INC3 | PO BOX 26725 KANSAS CITY, MO 64196 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 7.37% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | PO BOX 6718 SOMERSET, NJ 08875 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $116 | $9K | 53.30% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $147 | $147 | 0.91% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFIT PROGRAMS AN AON CO | PO BOX 419623 BOSTON, MA 02241 | METLIFE LEGAL PLANS | $1K | — | $1K | 9.15% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC - IL | PO BOX 956012 ST. LOUIS, MO 63195 | METLIFE LEGAL PLANS | $124 | — | $124 | 0.85% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 10 LANIDEX CENTER WEST PARSIPPANY, NJ 07054 | METLIFE LEGAL PLANS | — | $122 | $122 | 0.83% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC | 75 REMITTANCE DRIVE SUTIE 1926 CHICAGO, IL 606751926 | METLIFE LEGAL PLANS | — | $112 | $112 | 0.77% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | METLIFE LEGAL PLANS | — | $35 | $35 | 0.24% |
| AON CONSULTING INC3 | 200 E RANDOLPH ST STE 900 CHICAGO, IL 606016420 | METLIFE LEGAL PLANS | — | $17 | $17 | 0.12% |
| AON CONSULTING INC3 | 165 BROADWAY STE 3201 NEW YORK, NY 10006 | ACE AMERICAN INSURANCE COMPANY | $677 | — | $677 | 19.99% |
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 | 243 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 180 | $2.8M |
| Dental | STANDARD INSURANCE COMPANY | 172 | $164K |
| Vision | STANDARD INSURANCE COMPANY | 161 | $20K |
| Life insurance | STANDARD INSURANCE COMPANY | 259 | $39K |
| Long-term disability | STANDARD INSURANCE COMPANY | 259 | $38K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 419 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 419 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.