| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET STE 300 HAMMONTON, NJ 08037 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $1K | $9K | 4.74% |
| FIRST INTERNATIONAL BANK & TRUST3 | 4554 38TH AVE. SOUTH FARGO, ND 581048515 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 2.75% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $53 | $14K | 7.23% |
| FIRST INTERNATIONAL BANK & TRUST3 | 4554 38TH AVE. S FARGO, ND 581048515 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 4.82% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.27% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE 1446 CHICAO, IL 606750001 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $53 | $2K | 0.90% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $494 | $494 | 0.26% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE 1446 CHICAO, IL 606750001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $298 | $298 | 0.16% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET STE 300 HAMMONTON, NJ 08037 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $297 | $3K | 18.58% |
| FIRST INTERNATIONAL BANK & TRUST0 | 4554 38TH AVE. S FARGO, ND 581048515 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 16.92% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH ST HAMMONTON, NJ 08037 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $71 | $3K | 17.16% |
| FIRST INTERNATIONAL BANK & TRUST3 | 4554 38TH AVE. S FARGO, ND 581048515 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 16.74% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH ST HAMMOND, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $231 | $3K | 19.97% |
| FIRST INTERNATIONAL BANK & TRUST3 | 4554 38TH AVE. S FARGO, ND 581048515 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 18.30% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $53 | $2K | 17.47% |
| FIRST INTERNATIONAL BANK & TRUST3 | 4554 38TH AVE. S FARGO, NC 581048515 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 17.05% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $53 | $2K | 16.99% |
| FIRST INTERNATIONAL BANK & TRUST3 | 4554 38TH AVE. SOUTH FARGO, ND 581048515 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 16.57% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH ST HAMMOND, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $203 | $2K | 19.70% |
| FIRST INTERNATIONAL BANK & TRUST3 | 4554 38TH AVE. S FARGO, ND 581048515 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 18.06% |
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 | 591 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 608 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 300 | $86K |
| Vision(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,033 | $387K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,033 | $387K |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,033 | $387K |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,033 | $387K |
| Other(8 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,033 | $473K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,033 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.