| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. OF FLORIDA | 13901 SUTTON PARK DR. S BUILDING C SUITE 360 CHICAGO, IL 606731298 | HARTFORD LIFE AND ACCIDENT | $33K | — | $33K | 8.29% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | HARTFORD LIFE AND ACCIDENT | $20K | — | $20K | 4.90% |
| PAUL STANLEY JR3 Filed as: PAUL J STANLEY | 5264 INTERNATIONAL BOULEVARD SUITE 200 B NORTH CHARLESTON, SC 29418 | HARTFORD LIFE AND ACCIDENT | $20K | — | $20K | 4.90% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY INC | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | — | $8K | $8K | 1.87% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $507 | $507 | 0.13% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $3K | $9K | 5.53% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES, INC. OF FLORIDA | 13901 SUTTON PARK DRIVE BUILDING C, SUITE 360 JACKSONVILLE, FL 322240229 | VISION SERVICE PLAN | $5K | — | $5K | 9.86% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $288 | — | $288 | 0.58% |
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 | 259 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 230 | $172K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 230 | $172K |
| Vision | VISION SERVICE PLAN | 194 | $50K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 640 | $404K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 640 | $404K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 640 | $404K |
| Other | HARTFORD LIFE AND ACCIDENT | 640 | $404K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 640 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.