| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING - NEW YORK | ONE LIBERTY PLAZA 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $48K | $6K | $54K | 11.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - NEW YORK | ONE LIBERTY PLAZA 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $835 | $8K | 11.25% |
| AON CONSULTING INC3 Filed as: AON HEWITT - NORWALK, CT | 501 MERRIT 7 NORWALK, CT 06851 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $6K | — | $6K | 9.94% |
| AON CONSULTING INC3 Filed as: AON | 897 12TH STREET HAMMONTON, NJ 080371363 | LEGALPLANS, USA | $3K | — | $3K | 8.00% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 1 N WHITE HORSE PIKE #2 HAMMONTON, NJ 08037 | UNUM INSURANCE COMPANY | $2K | $492 | $2K | 8.86% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 1 N WHITE HORSE PIKE #2 HAMMONTON, NJ 08037 | UNUM INSURANCE COMPANY | $2K | $474 | $3K | 12.53% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 1 N WHITE HORSE PIKE #2 HAMMONTON, NJ 080371363 | UNUM INSURANCE COMPANY | $3K | $505 | $3K | 16.34% |
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 | 430 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 437 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 666 | $9.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 666 | $9.0M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 804 | $63K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 430 | $545K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 430 | $479K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 430 | $479K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 666 | $9.0M |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 430 | $645K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 804 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.