| 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 | $162K | — | $162K | 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 | $70K | — | $70K | 13.63% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTH INC. | PO BOX 955909 SAINT LOUIS, MO 63195 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $34K | — | $34K | 8.18% |
| FMLASOURCE INC5 Filed as: FMLASOURCE INC. | 455 N CITYFRONT PLAZA DR. 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $20K | $20K | 4.76% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTH, INC. | PO BOX 955909 SAINT LOUIS, MO 63195 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $71K | — | $71K | 18.07% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTH INC. | PO BOX 955909 SAINT LOUIS, MO 63195 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $53K | — | $53K | 13.49% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTH INC. | PO BOX 955909 SAINT LOUIS, MO 63195 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $44K | — | $44K | 13.62% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTH, INC. | PO BOX 955909 SAINT LOUIS, MO 63195 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $46K | — | $46K | 18.23% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH ST HAMMOND, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $139K | $25K | $164K | 65.88% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH ST HAMMOND, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $152K | $22K | $174K | 72.10% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTH, INC. | PO BOX 955909 SAINT LOUIS, MO 63195 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $43K | — | $43K | 18.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | VISION SERVICE PLAN | $5K | — | $5K | 1.93% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | LEGALPLANS USA | $8K | — | $8K | 8.00% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH ST HAMMOND, NJ 08037 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | — | $4K | 77.45% |
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 | 4,782 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 64 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,846 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 3 | $7K |
| Dental | DELTA DENTAL OF TENNESSEE | 4,674 | $1.8M |
| Vision | VISION SERVICE PLAN | 2,181 | $234K |
| Life insurance(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,531 | $960K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,784 | $751K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,784 | $415K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 3 | $7K |
| Other(6 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,531 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,674 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.