| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC WA | 29840 NETWORK PLACE CHICAGO, IL 606731298 | DELTA DENTAL OF WASHINGTON | $9K | — | $9K | 5.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 200 E RANDOLPH STREET CHICAGO, IL 60601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 3.06% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 2.08% |
| JOE FERNANDEZ3 | — | COMBINED INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.12% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAMS INC | 897 12TH STREET 1 HAMMONTON, NJ 08037 | COMBINED INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.87% |
| SELERIX INSURANCE SERVICES, LLC3 Filed as: SELERIX INSURANCE SERVICES LLC | — | COMBINED INSURANCE COMPANY OF AMERICA | $181 | — | $181 | 0.40% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 200 E RANDOLPH STREET CHICAGO, IL 60601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $978 | $978 | 3.60% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $780 | $780 | 2.87% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 200 E RANDOLPH STREET CHICAGO, IL 60601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $978 | $978 | 6.62% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $604 | $604 | 4.09% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $172 | $172 | 1.45% |
| SELERIX INSURANCE SERVICES, LLC3 Filed as: SELERIX INSURANCE SERVICES INC | — | COMBINED INSURANCE COMPANY | $2K | — | $2K | 28.72% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET 1 HAMMONTON, NJ 08037 | COMBINED INSURANCE COMPANY | $1K | — | $1K | 21.55% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6 | $6 | — |
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 | 148 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 235 | $2.4M |
| Dental | DELTA DENTAL OF WASHINGTON | 254 | $180K |
| Vision | VISION SERVICE PLAN | 116 | $14K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 168 | $64K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $27K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $15K |
| Prescription drug(4 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 235 | $2.4M |
| Other(5 contracts, 4 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 183 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.