| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 501 CORPORATE CENTER DRIVE SUITE 300 FRANKLIN, TN 37067 | DELTA DENTAL OF TENNESSEE | $116K | — | $116K | 8.75% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTH, INC. | PO BOX 955909 SAINT LOUIS, MO 63195 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $54K | — | $54K | 15.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTH INC. | PO BOX 955909 SAINT LOUIS, MO 63195 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $32K | — | $32K | 10.00% |
| FMLASOURCE INC5 Filed as: FMLASOURCE INC. | 455 N CITYFRONT PLAZA DR. 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $19K | $19K | 5.71% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTH INC. | PO BOX 955909 SAINT LOUIS, MO 63195 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $40K | — | $40K | 15.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTH, INC. | PO BOX 955909 SAINT LOUIS, MO 63195 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $36K | — | $36K | 20.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTH INC. | PO BOX 955909 SAINT LOUIS, MO 63195 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $25K | — | $25K | 15.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | VISION SERVICE PLAN | $3K | — | $3K | 2.16% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTH, INC. | PO BOX 955909 SAINT LOUIS, MO 63195 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $31K | — | $31K | 20.00% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH ST HAMMOND, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $97K | $19K | $117K | 102.08% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH ST HAMMOND, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $13K | $30K | 26.74% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTH, INC. | PO BOX 955909 SAINT LOUIS, MO 63195 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $22K | — | $22K | 20.00% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | LEGALPLANS USA | $7K | — | $7K | 50.00% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH ST HAMMOND, NJ 08037 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 83.63% |
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 | 3,318 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 1 | $2K |
| Dental | DELTA DENTAL OF TENNESSEE | 3,451 | $1.3M |
| Vision | VISION SERVICE PLAN | 1,780 | $161K |
| Life insurance(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,455 | $549K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,332 | $467K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,334 | $325K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 1 | $2K |
| Other(6 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,455 | $892K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,451 | — |
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.